Shardul Kadam is President with Fedbank Financial Services Ltd. (Fedfina). He is a Chartered Accountant with bright academics and has completed his graduation from Narsee Monjee College of Commerce & Economics - Mumbai. He brings in more than 18 years of experience in consumer & structured finance and has held leadership positions in Business development, Strategy, Risk Management, Underwriting, Recovery & litigation. He joined Fedfina in April 2011 to head its Credit & Risk Management functions and was a part of the core management team. He has been instrumental in putting the company on a growth trajectory by introducing various product lines and setting a robust distribution franchise, to quickly extend foot-print in multiple geographies. Prior to Fedfina, he has held leadership positions in ICICI Bank Ltd. for credit underwriting of secured and unsecured loans and litigation management. During his stint with ICICI Bank, he was instrumental in heading various process re-engineering initiatives for productivity, which brought in significant operational efficiencies and savings for the Bank. Prior to ICICI Bank, he has been a part of the financial analytics & research team with CMIE, conducting detailed corporate and industry wide research.