BREAKOUT SESSION: Reimagining Mortgages: The Disruptive Power of AI in Shaping the Future of Home Financing

Senior Partner – Lending & Payments, Cognizant

Renuka Kambli leads the Lending and Payments consulting practice for North America at Cognizant. In this role, she oversees the enhancement and expansion of the company's market presence with clients, prospects, and industry organizations. Additionally, she oversees the ongoing transformation of the company’s Lending and Payments practice. She and her team spearhead strategic and technology transformation, process, and technology advisory services for Lending and Payments clients. With over 20 years of experience in progressive problem-solving, client relationship management, and practice and people development, she is recognized as an experienced strategy and transformation executive with deep-domain knowledge in lending and payments, a history of successful global enterprise transformations, and the ability to build and scale high-performing teams. Kambli has contributed to thought leadership for Cognizant’s Lending and Payments business by developing and publishing industry perspectives, speaking at industry forums, and consulting with industry CXOs. She has nearly 20 years’ experience and was recognized by Consulting Magazine 2022 as a Women Leader in Technology.

EVP Technology, Xpanse

Dino Lack is an accomplished C-level technology and product executive and entrepreneur with a 30-year record of driving digital transformation, specializing in financial services technology. He currently serves as EVP, Technology at Xpanse (a private FinTech), where he founded a division and scaled the team to over 150 members. His leadership history is defined by decisive, quantifiable results in establishing new technology organizations, driving innovation, and aggressively scaling up or down with a steady hand—including previously cutting a multi-hundred-million-dollar IT budget by half. An established product visionary, he has successfully led the cultural shift to Agile, pioneered many industry innovations, and previously built and sold a custom software development company.

Vice President & Head of Performance Excellence, Cotality

Sedwin Sunny Vadukut serves as Vice President and Head of Performance Excellence at Cotality, where he leads enterprise-wide transformation initiatives focused on operational efficiency and strategic growth. With over 15 years of experience in performance improvement, Six Sigma, and technology strategy, he brings a proven track record of driving measurable impact through data-driven decision-making and cross-functional collaboration. Sedwin holds a postgraduate diploma in management from IMT Ghaziabad and completed executive education in disruptive strategy at Harvard Business School. Sedwin is passionate about driving measurable impact through data-driven decision-making and cross-functional collaboration. Known for aligning innovation with execution, he helps organizations scale with purpose and precision.