Shikha Hora Kamdar
Senior Banking Leader | Head- Retail Assets, MSME & Rural Lending| Nominee Director, IFBL | Building a Digital Bank
- Role
- Head- Retail, Rural & Msme Finance at IDFC FIRST Bank
- Location
- Mumbai, MH, IN
- LinkedIn followers
- 500 followers
About Shikha Hora Kamdar
Shikha is a seasoned banking leader with over 25 years of experience in retail banking, MSME, rural finance and wealth management. She has consistently built and scaled high-performing businesses — from early-stage inception to mature, diversified portfolios. As Head – Retail Assets, MSME & Microfinance at IDFC FIRST Bank, she oversees a diversified loan book exceeding ₹2 lakh crore across 25+ retail businesses. These portfolios have been architected around real-time scorecards, automated decisioning, and autonomous workflows — leveraging deep analytics and new-age technology platforms to deliver profitability, resilience, and superior customer experience.Shikha was a founding member of Capital First, playing a pivotal role in scaling the franchise prior to its merger with IDFC Bank in 2018 to form IDFC FIRST Bank — now among the top lenders across several retail product segments. She has built resilient, diversified books in dynamic and evolving ecosystems, balancing growth with prudence.She is a member of the Bank’s senior leadership team, driving sustained profitable growth and contributing to the vision of building a world-class bank in India. Since 2024, she also serves as Nominee Director at IDFC FIRST Bharat Ltd, helping shape the strategic direction of the Bank’s inclusive banking initiatives.Earlier in her career, Shikha was part of the founding leadership team at Religare Macquarie and a member of the India start-up team for consumer banking at Deutsche Bank. She has also held leadership roles at American Express Bank, Citibank, and began her career at CRISIL.
Experience
Head- Retail, Rural & Msme Finance
May 2025 — Present
Education
Institute of Chartered Accountants of India
CA, Accounting and Finance
SRCC
B Com H, Commerce
1996 — 1999
The Institute of Company Secretaries of India
CS
Department of Financial Studies - University of Delhi (erstwhile MFC)
MBA, Finance
1999 — 2001
Skills
- Alternative Investments
- Mis
- Private Equity
- Equity Research
- Financial Markets
- Structured Products
- Wealth
- Trading
- Investment Banking
- Wealth Management Services
- Financial Risk
- Project Finance
- Fixed Income
- Retail Banking
- Valuation
- Funding
- Commodity
- Financial Advisory
- Credit
- Financial Modeling
- Leadership
- Investment Advisory
- Financial Structuring
- Capital Markets
- Financial Planning
- Portfolio Management
- Loans
- Fx Options
- Wealth Management
- Insurance
- Derivatives
- Financial Analysis
- Investments
- Investment Management
- Strategy
- Equities
- Relationship Management
- Corporate Finance
- Securities
- Business Strategy
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