Nidhi Karnani

Passionate about Lending, Tech, AI & Digital Transformations!

Hyderabad, Telangana, India

About

With 13+ years of experience spanning across the lending value chain and consulting, I specialize in driving large-scale transformation programs that reimagine how financial institutions serve their customers. With hands-on experience of managing lending operations and customer lifecycle processes - I have a deep appreciation for the operational realities that shape successful transformation. Over the past 7+ years in consulting, I’ve led end-to-end platform modernization initiatives for top-tier banks and Indian NBFCs, helping them transition from legacy systems to agile, digital-first ecosystems. My work spans core lending platform design, digital onboarding, loan origination, and loan management/servicing transformation- delivering measurable impact through improved customer experience, operational efficiency, and regulatory compliance.

Experience

  • Accenture (Mumbai, Maharashtra, India)
    • Management consulting senior manager
      Jun 2025 - Present · 1 yr 1 mo

    • Management Consulting Manager
      Jan 2022 - Jun 2025 · 3 yrs 6 mos

  • Manager at Ernst & Young
    Jul 2019 - Feb 2022 · 2 yrs 8 mos

  • Product Manager Home Loans at Aditya Birla Housing Finance Limited
    Jun 2018 - Jun 2019 · 1 yr 1 mo

    Team Member - Product, Process & BIU

  • Product Manager Home loans at Axis Bank
    Jan 2016 - May 2018 · 2 yrs 5 mos

  • Assistant Manager Home Loans at HDFC Limited
    Jan 2012 - Dec 2015 · 4 yrs