Our focus is on making credit invisible, embedded directly into the customer’s digital journey: Ramesh Aithal, CDO, L&T Finance

L&T Finance is in the midst of a deep technology transformation that goes far beyond incremental digitisation. A reimagined digital core that treats credit decisioning, customer engagement and risk management as intelligent, interconnected platforms rather than isolated systems.

In an exclusive interaction with Express Computer, Ramesh Aithal, Chief Digital Officer, L&T Finance, talks about how they are modernising the lending value chain through dense AI-driven credit ecosystems, embedded finance partnerships, cloud-native architectures and agentic automation. Starting from handling complex underwriting decisions at scale to embedding credit invisibly within partner journeys, he also explains how technology is being used as a strategic growth lever rather than an operational utility.

The conversation also explores areas like the rapid integration of the Gold Loan business, the deployment of conversational AI in collections and servicing, and the evolution of PLANET 3.0 into a multi-service digital platform. Crucially, he discusses balancing ...