Bhavesh Swarnkar

Strategy Lead @IDFC FIRST Bank

Mumbai, MH, IN
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+91 *********19

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WORK HISTORY

Apr 2026 — Present

Strategy Lead @IDFC FIRST Bank

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Mumbai, IN

Spearheading Digital Transformation for secured and Unsecured Business.

EDUCATION

2015 — 2017

T.A.Pai Management Institute, Manipal

Master of Business Administration - MBA, Finance and Financial Management Services

2009 — 2013

National Institute of Technology Raipur

Bachelor of Technology (BTech), Civil Engineering

SKILLS

ManagementMicrosoft ExcelMicrosoft WordMicrosoft PowerpointMicrosoft Office

ABOUT BHAVESH SWARNKAR

Strategy and transformation leader with deep expertise in driving AI-led automation and digital transformation across retail credit and lending operations. Proven track record of building and executing zero-ops operating models by leveraging GenAI, intelligent underwriting, and advanced workflow automation to eliminate manual touchpoints, improve credit decisioning speed, and enhance portfolio quality.Experienced in designing and scaling intelligent underwriting frameworks, including underwriting skips and straight-through processing powered by data science and generative AI. Strong ability to translate complex business requirements into technology-enabled solutions, partnering with fintechs, SaaS providers, and core banking vendors to evaluate, select, and implement platforms that materially reduce operational cost and turnaround time.Known for leading enterprise-wide journey transformation across retail assets, owning end-to-end customer and credit journeys, defining digital roadmaps, and delivering high-impact strategic initiatives that improve growth, risk, and customer experience. Adept at balancing innovation with regulatory compliance and risk governance while driving measurable business outcomes.

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Bhavesh Swarnkar — Strategy Lead at IDFC FIRST Bank in Mumbai, MH, IN | Unifers