Swagata S.

Swagata Karmalkar is an accomplished professional with extensive experience in digital lending and product management. Currently serving as Head of Product for Digital Lending at Aditya Birla Capital, Swagata has previously held key positions such as Digital Product Lead for NTB Acquisition and D2C Products within the Consumer Finance Business at Kotak Mahindra Bank, and Senior Manager of Digital Lending at Axis Bank. Swagata has also contributed to marketing initiatives in transaction banking as a Manager at Axis Bank, served as Social Media Marketing Manager at Netscribes, and managed e-commerce operations at Omved Lifestyle Pvt Ltd.