Anindya Karmakar

Anindya Karmakar

Head - Digital Lending, Aditya Birla Finance

Anindya Karmakar is a digital thought leader in financial services. His expertise lies in consumer finance, digitization, robotization and digital distributed advisory. He is an Artificial Intelligence practitioner and has implemented AI solutions in solving problems in unsecured lending, customer service and sales. He has successfully led multiple initiatives in large scale digital transformation.

Anindya heads the Digital Lending business in Aditya Birla Finance Limited. Digital Lending has become a buzz word in recent times and for good reason. The disruption was led by fintechs and traditional lenders have followed suit. Rapid technological advances, high penetration of smartphones and abundance of data has made innovations in operating models a reality. Distribution and purchase of consumer loans has moved onto digital platforms and for most part has become a no-touch, no-rework process leading to enormous improvements in customer experience and rapid increase in volumes.

Earlier, Anindya was part of the retail bank in ICICI Bank where he led multiple initiatives and large scale digital transformations at the cutting edge of mobility, robotics, IoT, AI and analytics. He was also instrumental in turning around the Wealth Management business.

Anindya believes collaboration is key to understanding the dynamic changes around us. He is a digital evangelist and passionate about the digital revolution which is underway. He blogs on