"Munish Sharda is the Group Executive & Head – Bharat Banking, Axis Bank since September 2021. With a career spanning over 28 years in financial service industry, Munish brings in rich leadership experience with a successful track record of financial and operational turnarounds, leveraging digital and tech stack, and enhancing people capabilities to transform business across banking and insurance. In his role as GE – Bharat Banking, he is responsible for driving business growth in Rural & Semi urban markets across all product offerings of the bank, including MFI, Retail, MSME, Wholesale and Financial Inclusion. Apart from this he is also the Non-Executive Director on the Boards of CSC e-Governance Services India Limited (a Company and an Implementing agency of Ministry of Electronics & IT for digital India project) & A TReDS Ltd (Axis Bank Subsidiary), and a trustee at Axis Bank Foundation. Prior to joining Axis Bank, Munish was the MD & CEO of Future Generali India Life Insurance for more than 7 years where he led transformation & growth, scaled up the business with improved profitability and quality of business, and built strong partnerships with banks and retail ecosystems. Munish holds a Bachelor of Engineering from Punjab Engineering College and has completed his PGDM from IIM Lucknow. He also holds a CFA institute Certificate in ESG Investing from US."