Bhavesh Swarnkar
Strategy Lead @IDFC FIRST Bank
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WORK HISTORY
Strategy Lead @IDFC FIRST Bank
Mumbai, IN
Spearheading Digital Transformation for secured and Unsecured Business.
EDUCATION
T.A.Pai Management Institute, Manipal
Master of Business Administration - MBA, Finance and Financial Management Services
National Institute of Technology Raipur
Bachelor of Technology (BTech), Civil Engineering
SKILLS
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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