Mridul Sharma

Mridul Sharma is a seasoned technology and operations leader with more than two decades of experience across banking, financial services, insurance, and manufacturing. He has led large-scale business transformation initiatives, driving operational excellence through digital innovation, technology modernization, and customer-centric process redesign.
Currently serving as the Chief Technology & Operating Officer at Jio Credit Limited, Mridul is responsible for shaping the company’s technology, digital, and operational strategy. Prior to this role, he served as Chief Technology & Digital Officer, spearheading initiatives focused on digital transformation, technology-led growth, and building resilient, future-ready financial services platforms.
Before joining Jio Credit, Mridul was the President and Group Chief Operating Officer at Arka Financial Holdings, where he played a pivotal role in establishing the technology and operations foundation for the NBFC business. He also led digital transformation efforts across the Kirloskar Group’s manufacturing businesses as Group Chief Digital Officer, enabling the adoption of next-generation technologies and operational models.
His expertise spans banking operations, core banking systems, technology strategy, branch banking, credit card technology, risk management, insurance technology, IT infrastructure, cybersecurity, and digital transformation. Over the years, he has successfully delivered some of the most complex core banking migration projects in the Indian banking sector and has been instrumental in building scalable, secure, and efficient technology ecosystems.
In addition to his corporate leadership roles, Mridul served as Director at the Centre for Industry 4.0 (C4i4) Lab, where he contributed to advancing the adoption of Industry 4.0 technologies and strengthening India’s manufacturing ecosystem.
With a unique blend of operational expertise and technology leadership, Mridul continues to drive innovation at the intersection of finance, digital transformation, and enterprise modernization.