Speaker: Kanchi Shah, Chief Editor, ET EDGE

As India advances towards its $5 trillion economic vision, NBFCs 2.0 are emerging as critical
enablers of financial inclusion by leveraging technology, alternative credit models, and
strategic partnerships This session delves into how NBFCs can embrace innovation, adapt to
regulatory shifts, and scale responsibly balancing speed with sustainability to remain
competitive, compliant, and resilient in a rapidly transforming financial ecosystem.

Speakers:
• Rakesh Singh, ED & CEO, Aditya Birla Capital
• Govind Sankaranarayanan, Co-founder, Wholetime Director & COO, Ecofy
• Kalpesh Dave, Deputy CEO, Bajaj Capital
• Shiva Rajaraman, CEO, NIIF Infrastructure Finance
• Upma Goel, Group CFO, Piramal Enterprises

Moderated by Gayathri Parthasarathy, Partner & Global FS Technology Leader, PwC India

Speakers:
• Shashank Sharma, Director & Co-Founder, ScoreMe Solutions
• Rohit Kohli, CTO, ScoreMe Solutions

This panel will explore how co-lending partnerships between NBFCs, Banks and Fintechs are
reshaping credit access, enhancing financial inclusion, and driving mutual growth through
digital innovation and strategic collaboration.
Key Discussion Points:
• How does co-lending contribute to India’s financial inclusion goals?
• How fintech innovation enhances customer experience and financial inclusion?
• How are collaborations transforming traditional NBFC operations?
Conceptualized & Executed by
• How is Open Banking enabling NBFCs to access alternative data for credit
decisioning?
• What makes co-lending an attractive model for investors?

Speakers:
• Kirti Timmanagoudar, Head, Co – lending & Strategic Alliances, IIFL (India Infoline
Group)
• Mazin Abdul, Head of Co – Lending & Fund Raise, CRED
• Akshay Sarma, CFO, axio
• Ankit Bagadia, Associate – Director, BankBazaar India
• Pankaj Sharma, Chief Revenue Officer, Biz2X

Moderated by Nimilita Chatterjee, Partner, EY India

Presented by Ankeet Bhat, President – Enterprise Business, MapmyIndia

This session will explore how digital transformation is reshaping risk frameworks, the impact
of AI and automation on fraud detection and governance, and how NBFCs can stay agile
while aligning with evolving regulatory expectations.
Key Discussion Points:
• How RBI and global regulators are shaping the digital financial ecosystem?
• Why are new credit scoring methods important for understanding risk better?
• How can we manage risks while digital lending and real-time transactions?
• How are NBFCs adapting their internal risk frameworks to meet digital-first
operations?

Speakers:
• Darshit Sheth, Chief Compliance Officer, GIC Housing Finance
• Zeenat Hamirani, Chief Risk Officer, L&T Finance
• Shivendra Suman, Head – Compliance & Company Secretary, Hero FinCorp

Moderated by Raunak Shah, Partner, PwC India

This session explores innovative financing models and the pivotal role of NBFCs in bridging
the affordability gap, enabling homeownership for underserved populations, and
accelerating progress toward the vision of Housing for All.
Key Discussion Points:
• How NBFCs are catering to the underserved segments in affordable housing
• Impact of RBI policies and government initiatives like PMAY on NBFC lending
Conceptualized & Executed by
• Liquidity constraints and funding challenges faced by NBFCs post-IL&FS crisis
• Innovative financing models adopted by NBFCs for affordable housing solutions
• Use of technology to streamline loan disbursal and credit assessment

Speakers:
• Deo Shankar Tripathi, Executive Vice Chairman, Aadhar Housing Finance
• Deepak Patkar, MD & CEO, SMFG India Home Finance
• Girish Kousgi, MD & CEO, PNB Housing Finance

Moderated by Asim Prashar, Partner, PwC India

• What prompted Muthoot Finance to embark on a large-scale digital journey?
• Aligning the transformation with customer expectations and business growth
• Top learnings for other financial institutions starting their transformation journey

Speakers:
• Neeraj Dubey, Global Delivery Head, BUSINESSNEXT
• Sharath Joseph, Head – CRM Channel, Muthoot Finance
• Suresh S, Chief Information Officer, Muthoot Group

Moderator: Lavanya Iyengar, Deputy Chief Editor

This session explores how NBFCs are accelerating the growth of MSMEs by bridging credit
gaps through innovative underwriting models, leveraging policy support and government
schemes, and empowering first-time and informal sector entrepreneurs to scale sustainably.
Key Discussion Points:
• Bridging the MSME credit gap through innovative and alternative underwriting
models
• Leveraging regulatory support, SIDBI tie-ups, and credit guarantee schemes for
enhanced MSME lending
• Building financial literacy and credit discipline among MSME borrowers

Speakers:
• Dhvanil Gandhi, Executive Director, Mas Financer
• Mayur Modi, Co-founder, Co-CEO & COO, Moneyboxx Finance
• Amol Deherkar, Chief Product Officer, NeoGrowth Credit

Moderated by Subrata Das, Partner, EY India

This session will explore how technologies are being adopted to streamline operations,
personalize services, manage risks, and unlock new revenue streams. Can these innovations
define the next competitive frontier for NBFCs?
Key Discussion Points:
• How NBFCs are leveraging AI/ML for faster and smarter lending decisions?
• Can blockchain help NBFCs with secure digital KYC, transparent transactions, and
preventing fraud?
• What do NBFCs need to know about RBI’s push for digital-first directives and data
localization mandates?
• How to track impact of tech investments such as customer retention & credit
growth?
• How can next-gen technologies like Agentic AI, Generative AI, and others help
optimize operational costs and enhance customer experience?

Speakers:
• Sudesh Puthran, Chief Technology Officer, CreditAccess Grameen
• Samir Mohanty, Chief Technology & Digital Transformation Officer, Avanse
Financial Services
• Dev Pathi, Chief Technology and Product Officer, Credit Saison India
• Markandey Upadhyay, Chief Data & Analytics Officer, Piramal Finance
• Anooj Mishra, Business Transformation Leader – Applications, Oracle India
• Nikhil Garg, Chief Technology Officer, DMI Finance

Moderated by Siva Prasad Juluri, MD, PwC India

A forward-looking session exploring emerging trends, regulatory shifts, and technological advancements shaping the future of the financial services ecosystem, with a focus on inclusion, innovation, resilience, and sustainable growth.

Speaker: Rajnickant Patel, Former MD & CEO, BSE & ICEX