Ms. Shikha Hora Kamdar is a dynamic banking & financial services leader with experience spanning over 25 years in building, scaling, and transforming large, consumer-focused financial institutions in India.
She has held leadership positions in start-up stages of multiple large institutions. Shikha is currently heading Retail Lending, Microfinance & MSME Finance at IDFC FIRST Bank, managing book of over 2.25 Lakh Cr across 25 retail lending businesses. She leads one of the most diversified and technology-led retail lending platforms in the country. At IDFC FIRST Bank, she services the entire economic pyramid—from underserved & unserved rural borrowers to ultra-HNI clients. She has built multiple data-native, technology-driven businesses grounds up, anchored in real-time scorecards, automated underwriting, and autonomous workflows, delivering profitable growth, strong asset quality, and superior customer experience at scale.
Shikha also leads enterprise-wide cross-sell engine for the Bank, managing entire customer lifecycle by offering products across liabilities, lending, wealth management, credit cards and fee products by leveraging tech, Hyper personalization engine and generative AI.
She joined Capital First as a part of the Company’s founding leadership team in 2010; Capital First later merged with the Bank in Dec 2018. She is part of the leadership team at the Bank, working on Bank's vision to build a world class Bank in India, guided by ethics, powered by technology and to be a force for social good. Prior to Capital First, Shikha worked with Religare Macquarie, Deutsche Bank, American Express Bank, Citibank & CRISIL.
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