Our People

Board of Directors

Thomas John Muthoot

Thomas John Muthoot

Group Chairman – The Muthoot Pappachan Group & Director - Muthoot Housing Finance Company Limited

Thomas John Muthoot, or Johnie, is an industry thought leader who inherited a legacy in trading, retail and finance and led it to an organic rise in capacity and capability. It’s his vision and read more endeavour that Muthoot Pappachan Group made a successful transition from a family business to a full-blown financial service provider catering to the lower and middle ends of the socio-economical scale pan-India. Typical of a Pappachan, leadership and business sense is in Johnies’s genes. His involvement in affairs of The Muthoot Pappachan Group started at a young age and the passion has endured ever since. Thoughtful, suave and practical, Johnie continues to break stereotypes, create financial independence for masses and lead his group into a promising future.

Thomas George Muthoot

Thomas George Muthoot

Director – The Muthoot Pappachan Group and Director - Muthoot Housing Finance Company Limited

Thomas George Muthoot, also known as Georgie, Johnies’s twin is a business leader credited with powering the group’s forays into multiple vectors – from gold loans to two-wheeler read more finance and microfinance. Dynamic and versatile, Georgie is the core Promoter of The Muthoot Pappachan Group, Managing Director of Muthoot Capital Services Limited and Promoter-Director of Muthoot Fincorp Limited. He led Muthoot Capital Services Limited from scratch to the fastest-growing NBFC and automotive retail finance provider in India.

Thomas Muthoot

Thomas Muthoot

Director – The Muthoot Pappachan Group, Executive Director - Muthoot Fincorp Limited & Managing Director - Muthoot Housing Finance Company Limited

Another scion of the Pappachan legacy, Thomas Muthoot has made his mark as the Director of the Muthoot Pappachan Group and Executive Director of Muthoot Fincorp Ltd. He is an read more authority in Microcredit and Micro savings and passionate about helping the masses to financial independence. Thanks to his innovative instincts, Muthoot Pappachan Group continues to unleash inventive, need-based financial products for low and middle-income groups. His in-depth understanding of emerging markets enabled the group to align and structure business interests nation-wide. Obsessive about cricket and social causes, Thomas is currently the Vice President of Ernakulam District Cricket Association and member of Kerala Cancer Care Society

K. Muralidharan

K. Muralidharan

Director

Mr. Muralidharan has experience of more than 40 years. He has served National Housing Bank, Reserve Bank of India, Spencer & Co.Ltd., High Court of Bombay and DRT in Mumbai.

Santanu Mukherjee

Santanu Mukherjee

Director

Mr. Santanu Mukherjee has more than 40 years of experience in banking and finance industry. He joined in State Bank of Hyderabad as a Probationary Officer and carried out important read more domestic and overseas assignments in the SBI Group. He served as Managing Director of State Bank of Hyderabad, an associate bank of country’s largest lender State Bank of India and retired on December 2016. He also worked as a Chief General Manager of State Bank of Bikaner and Jaipur and also served as a Chief Executive Officer of State Bank of India

CEO

Leadership Team

Pavan K Gupta

Pavan K Gupta

CEO

Pavan K Gupta has over 26 years of mortgage experience in sales & distribution, credit, operations, strategy & business development and general management. He has worked with read more leading housing finance companies like SBI Home Finance Ltd, BHW Birla Home Finance Ltd, Home Trust Housing Finance Ltd, Deutsche Postbank Home Finance Ltd and Dewan Housing Finance Ltd (DHFL). Prior to this role, he worked at Dewan Housing Finance Ltd as Business Head for Home loans and Head for International Business. He has an extensive experience of having worked in all parts of the country in his erstwhile assignments. Pavan has completed his Master’s in Business Administration from Utkal University and Chartered Financial Analyst from ICFAI, Hyderabad.

Vikas Srivastava

Vikas Srivastava

Chief Financial Officer

Vikas Srivastava has more than 17 years of experience in Banking and Financial Services Sector. His experience relates to the areas of Resources Management, read more Treasury, Finance & Accounting. He has worked with IndusInd Bank Limited into corporate banking. Later he worked with Deutsche Postbank Home Finance Ltd. (later known as First Blue Home Finance) and Karvy Financial Services Limited in the area of fund raising and treasury management. He joined Muthoot Housing in 2014 and is holding position of Chief Financial Officer. Vikas is an associate member of The Institute of Chartered Accounts of India and commerce graduate from Delhi University.

S. Sumesh

S. Sumesh

Company secretary and Compliance officer

Mr. S. Sumesh is a post graduate in Commerce and an Associate Member of the Institute of Company Secretaries of India (ICSI) having notable expertise in the areas of Corporate Law and all read more other applicable laws germane to the Company. He is associated with Muthoot Housing Finance Company Limited as Company Secretary and Compliance Officer for the last 7 Years.

Kapil Punni

Kapil Punni

Head – Sales & Business Development

Over the last 19+ years, Mr. Kapil Punni has been formulating and implementing dynamic business development strategies. He comes with rich experience of leading and guiding big read more teams with organizations such as ICICI Bank, Deutsche Post Bank, DHFL, DHFL Pramerica and many more. He has thorough understanding of the housing finance industry across functions, macro-economic dynamics, and low and middle income (LMI) consumer segment. He has been awarded for his excellence in sales strategies, mortgage Loans and other relative products. He has joined MHFL as Head – Sales & Business Development and would be responsible for geographical spread of operations, enhancement of the product portfolio and service offerings of affordable home loans to the valued customers PAN India.

Nishant Karkala

Nishant Karkala

Head - Credit

Mr Nishant brings with him more than 16 years of rich experience in formulating and implementing credit strategies, loan underwriting, delinquency and Portfolio Retention. He has worked read more with leading companies like Magma Housing Finance, IIFL and DBS - Cholamandalam and comes with a keen understanding of the housing finance industry. Nishant joins us from Magma Housing Finance. He comes to MHFL with a mandate to enhance the geographical spread of our operations, to take our product portfolio and service offerings of affordable home loans, to our valued customers PAN-India.

Liza Mohanty

Liza Mohanty

Head- Operations

Liza brings in 17 years of multifaceted experience in banking and financial services industry. She joins us from DHFL and prior to DHFL, Liza was associated with leading organizations like read more Cholamandalam, MS General Insurance and SPA Capital Services in various roles. In Muthoot Housing Finance Company Limited, Liza is responsible for running the Operations, Customer service and Administration functions in the Company.

Rajesh P S

Rajesh P S

Head – Collections

Rajesh brings with him more than 20 years of rich experience in Collections, Recovery, Legal & Risk Operations. He has worked with leading companies like India Bulls Housing Finance read more Limited, Kotak Mahindra Primus & Citi Financial Consumer Finance and comes with a keen understanding of the housing finance industry. Mr. Rajesh will manage and control our delinquency & NPAs and improve the overall quality of our portfolio.

Prakash Bhatia

Prakash Bhatia

Head – Information Technology

Prakash brings with him more than 23 yrs. of substantial experience in implementing and integrating IT projects and programs across global BFSI organizations. Prakash have had read more the opportunity of working with reputed names in corporate world in UK, UAE, and India and have built robust relationships with external IT leaders/consultants for delivering integrated solutions. Prakash joins us from various technology implementation big 5 companies like IBM \ WIPRO \ Dubai Government. Prakash holds an Honours Degree in Commerce and Masters in Computer Applications.

Anil Sahni

Anil Sahni

AVP – Human Capital Management & Development

Anil brings with him more than 23 years of rich experience in Human Resources, Learning & Development and Sales. He has an exposure working with sectors like Banking, Finance, read more Insurance, Telecom & Pharmaceuticals and with leading brands like Telenor, ICICI Bank, Max Life Insurance, Exide Life etc. He has thorough understanding of the housing finance business and has been awarded for his excellence in aligning HR with Organizational Goals, Leadership Development, using technologies in HR initiatives etc. He is associated with MHFL since Feb 2018 & is responsible for managing the HR function.

Deepa Shrivastava

Deepa Shrivastava

AVP - Internal Audit

Deepa Shrivastava is a Chartered Accountant and Company Secretary. She is also A DISA from ICAI and a certified ISO 27001 Lead Auditor. She has over 20 years of Audit experience and read more brings with her extensive experience in various kinds of audits like Internal audit, Concurrent audit, Bank audits, Due diligence reviews, IT audits, finalization of corporate policy and procedures manual and in fraud investigation. In Muthoot Housing Finance Company Limited, Deepa Shrivastava is responsible for running the Internal Audit function for the Company.

Girish Sable

Girish Sable

National Technical Manager

Girish brings with him more than 16 years of rich experience out of which 13 years have been into Real Estate valuations in Banks, NBFCs, Project / Site Management in construction read more industry. Prior to joining us Girish has worked with companies like Capital First Limited, Magma Housing Finance, India Infoline Housing Finance, PNB Housing Finance, DHFL etc. Girish is a civil engineering graduate and is responsible for managing the technical vertical.

Milind Koyande

Milind Koyande

Sr. Manager – RCU

Milind Koyande brings with him over 18 years of experience in Risk and Fraud Control and has worked with leading market lenders like Kotak Mahindra Bank Ltd as well as NBFCs like Magma read more Fincorp. He has been instrumental in setting up the RCU unit at MHFL and his vast experience in Fraud management, Fraud Detection and Fraud Control will continue to form an important pillar of our overall lending capability. Milind also liaises with important official departments to augment the overall Risk capability of the organization