In this episode, Nilesh Dange, CHRO at L&T Finance, breaks down how a traditional NBFC is reinventing itself as a “FinTech at scale” by putting AI at the core of credit decisioning, home loan journeys, and day-to-day operations—while keeping people and culture firmly at the center. He shares how L&T Finance now runs largely agentic, AI-led underwriting, offers fully digital home loan copilots, and uses design thinking and cross-functional squads to solve the “meatiest” business problems first.

Nilesh goes deep on the HR side of this shift: from building a global data science vertical and democratizing AI with internal workshops and enterprise-wide Gemini access, to creating bite-sized learning journeys and Idea Express programmes that turn employees into problem solvers, not passengers. He also explains how HR can use AI as a decision-enabler (not a replacement for human judgment) in recruiting and capability building, and why “management attention and intention” are the real levers behind any successful tech transformation.​

If you are a CHRO, CLO, or business leader trying to make your enterprise AI-first without losing the human touch, this conversation offers a candid, field-tested playbook on change, culture, and capability building in the age of generative AI.​