Krishnendu Goswami, Head–Strategy & Innovation for the NBFC business at Aditya Birla Capital, brings a practical perspective to strategy, innovation, and business execution. His career across Shell, M&A, financial services, investor relations, strategic alliances, and business development has provided exposure to diverse business models and operating environments.

Krishnendu Goswami believes effective strategy depends on understanding context rather than applying universal solutions. His approach balances data with judgment, strategic ambition with operational realities, and long-term thinking with execution discipline.

He also sees opportunities for AI to strengthen decision-making across lending, underwriting, fraud detection, collections, and portfolio monitoring, while emphasising the importance of governance and human judgment.

His leadership perspective highlights how strategic choices can create meaningful business value when they are understood, executed, and adapted to real-world conditions.