Mr. Shardul Kadam is President with Fedbank Financial Services Ltd. Mr. Kadam is a Chartered Accountant and has completed his graduation from Narsee Monjee College of Commerce and Economics - Mumbai. He has more than 15 years of experience in retail lending and has held leadership positions in Credit, Risk, Litigation and Strategy. He joined Fedbank Financial Services Ltd. in April 2011 to head its Credit, Risk and Policy department. He has also been a part of the core management team for strategic decision making. Prior to this, he has led the underwriting function for secured and unsecured products with ICICI Bank Ltd. During his stint, he was instrumental in setting up teams and process hubs, leading initiatives for productivity enhancement etc. He has also been a part of the team handling litigation in retail assets and has led several process re-engineering initiatives and set up structures which have brought in significant operational efficiencies and cost savings for the bank. Prior to ICICI Bank, he has been a part of the financial analytics & research team with Center for Monitoring Indian Economy, conducting detailed corporate and industry wide research.