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 is the Chairman of Muthoot Pappachan Group (MPG), and has been at the helm of the business for the past 3 decades. As the 3rd generation leader of a read more 134 year legacy in trading,retail and retail finance, Mr. John has been involved in the daily functioning of the business since his early days and is an alumnus of Harvard Business School. He falls back on much of this learning and experience when driving the Group into greater heights.

Muthoot Pappachan Group (MPG) consists of diverse economic activities spanning 52 companies / verticals from Retail Financial Services to Hospitality, Real Estate, Automotive, IT Services and Alternate Energy. In addition to his position in the Group, Mr. John is also the Managing Director of Muthoot FinCorp Ltd, the flagship company of MPG, registered with the Reserve Bank of India. Muthoot FinCorp (MFL) is one among the largest NBFCs in India and is the Financial Services Power House with a network of over 3,600 branches across the country.

Mr. John understands that the future and efficacy of the Group companies’ businesses lie not only in the strength of its people culture and customer centricity, but also in embracing the cutting edge technology to leverage for customer benefit. With this in mind, the Group has been partnering with and investing in new-age and technology-led start-ups with a keen eye on customer-centricity and convenience.

With over 30,000 Muthootians under his leadership, Mr. John is a strong champion of the value of human capital. He is passionate about real financial inclusion and keenly pursues the uplifting of those experiencing economic disadvantage. This passion cumulated into the formation of Muthoot FinCorp’s Purpose of “transforming the life of the common man by improving their social well-being”.

Being passionate about the betterment of humanity and introducing well-being to the masses through financial interventions, Mr. John is an industry thought-leader who is actively involved with various business platforms like CII (Chairman, CII-Kerala State Council) and Kerala Management Association, etc.

Mr. John has been recognised for his works and received several awards including “Young Hotel Entrepreneur Award 2006” (Federation of Hotel & Restaurant Associations of India) and “Business Man of the Year 2009” (Trivandrum Management Association), to name a few.

Thomas George Muthoot

Thomas George Muthoot

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

Thomas George Muthoot is a core promoter of the Muthoot Pappachan Group (MPG). He is also the Managing Director of Muthoot Capital Services Ltd (MCSL), the listed entity of MPG read more engaged in automotive retail finance and one of the fastest growing NBFCs in India. Mr. George is also the Promoter – Director of Muthoot FinCorp Limited (MFL), the flagship company in MPG and one of the largest NBFCs in the country registered with the Reserve Bank of India. Muthoot FinCorp (MFL) is one among the largest NFBCs in India and is the Financial Services Power House with a network of over 3,600 branches across the country.

Mr. George is also a Director in various MPG companies across diverse business domains such as Hospitality, Microfinance, Affordable housing, Automotive retail, and Real Estate to name a few. Mr. George has been hands-on in the family business for over 3 decades and has worked tirelessly with the leaders and teams of various verticals to take MPG to the heights it has reached today.

Mr. George’s work is deeply rooted in the promise of empowering human ambition through innovative, technology-driven solutions which make substantial and sustainable difference in the lives of those at the bottom of the pyramid. With his humility and simplistic outlook, Mr. George constantly works towards creating and promoting customer-centric products and services that make a difference in the lives of customers and equip them to take charge and transform their dreams into reality.

In addition to his many responsibilities, Mr. George is also the Chairman of the Kerala Non-Banking Finance Companies Welfare Association (KNBFC), Kochi; Secretary of Association of Gold Loan Companies (AGLOC), India; committee member of Finance Companies Association (FCA) and (FADC).

Thomas Muthoot

Thomas Muthoot

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

Thomas Muthoot is a core Promoter – Executive Director of Muthoot Pappachan Group (MPG). As the youngest of three brothers, he is the dynamic, innovative and futuristic thinker of the read more Group. Mr. Thomas is also the Managing Director of Muthoot Microfin Limited (MML), one of the top five leading microfinance entities in India; as well as the Managing Director of Muthoot Housing Finance Ltd (MHFL).

With his passion toward serving the Indian grassroots and helping them build their dreams, Mr. Thomas is an expert in micro credit and micro savings business. His knowledge and expertise of emerging markets and customer needs have wielded the expansion and diversification of the Group into what it is today. He strictly follows the principle of “Business with a Purpose” and constantly demonstrates that the Group’s activities don’t stop at mere financial lending, instead he recognises that customer wellness and the practice of Responsible Lending is equally important.

Mr. Thomas is a key architect of the much-diversified MPG conglomerate. He initiated several businesses including those in the sectors of Automotive retail, Two-wheeler finance and Affordable Housing finance. Mr. Thomas was instrumental in the setting up of Technopolis, one of Kerala’s first IT parks established through public-private partnership.

Under Mr. Thomas’ leadership, MPG has been actively involved in numerous philanthropical works through the Muthoot Pappachan Foundation. Such works include: children’s cleft surgery, disaster-relief construction works, rehabilitation centre, anti-drug awareness campaigns, football academy, and blood donation, to name a few.

In 2014, Mr Thomas received the SEN Inclusive Business and Community Award by YPO-WPO in recognition of the women empowerment drive undertaken by the Group.

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

Vasudevan Ramaswami

Vasudevan Ramaswami

Additional Director

Vasudevan Ramaswami (Vasu), joined Muthoot Fincorp Ltd.(MFL), in April 2017 as the Chief Operating Officer (COO) to lead & drive overall business performance & profitability for MFL read more as well as business synergies across all group companies. He served as the Chief Operating Officer from April 2017 to March 2020 and then as the Strategic Advisor from April 1st, 2020 till Mar 31st, 2021.

At MFL, Vasu had been instrumental in putting together the key strategic objectives, overall structure and business priorities for MFL, coupled with specific transformation initiatives that the company is following to become a Financial services provider of choice. Prior to MFL, he has over 29 years experience in several senior leadership roles including CXO roles from 2005 across Financial services (Banks, NBFCS, AMC and BPOS) spanning organisations like Citibank N.A, Bank of America, American Express Bank, Principal Asset management company, TCS, Countrywide Financial Corporation, Reliance Retail ltd and L&T finance.

He has extensive experience in Sales and Business Development, Marketing, Operations and Technology, Credit Risk and Collections, Project and Transition management as well as in managing overall businesses as the P&L leader. His immediate previous role before MFL was as the Chief Executive of L&T Housing Finance Ltd., in Mumbai between 2012 and 2016 during which period he has also served as a director in 3 subsidiary companies of L&T Financial Holdings.

V. Ranganathan

V. Ranganathan

Independent Director

V. Ranganathan is a B. Com, Chartered Accountant and Company Secretary by qualification. Has a total experience of four decades in corporate sector and in consultancy. He handled read more Audit, Taxation, and Accounting work for 2yrs 3 months in S.Visvanathan & Co, Chartered Accountants.

Worked as officer grade in Oriental Fire and General Insurance Co Ltd for 3+years and managed the electronic data processing of western region offices.

13 year’s experience in Tube Investments of India Ltd & Murugappa Group and finally Group GM handling in charge of various taxation related works, including representation before Income Tax Appellate Tribunal, Corporate Restructuring, appearing in sick industries rehabilitation before BIFR, managing the family office of the promoters, and advising the various group companies on tax management and strategy.

Worked as Director for a period of 2 years in Coopers & Lybrand and PWC handling large tax advisory work for MNC clients and involved in FDI and business set up for Ford Motors in Chennai among other key activities.

17 years experience as Director/Partner in Ernst & Young LLP and 3+years senior advisor post retirement handling the task of building the Chennai and Hyderabad practice of E&Y in tax and regulatory space. Had taken numerous initiatives on client acquisition, carrying out strategic projects of very significant value in many industries in both Chennai and Hyderabad.

Served as advisory role in Srinidhi Investments, a PE fund based out of Mauritius and also a director cum mentor in Chevening Advisory P Ltd.

CEO

Pavan K Gupta

Pavan K Gupta

Chief Executive Officer

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.

Leadership Team

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.

Rahul Verma

Rahul Verma

AVP - Internal Audit

Rahul Verma is a Chartered Accountant from ICAI. He has over 13 years of Audit experience and brings with him extensive experience read more in various kinds of audits like Risk based Internal audit, Concurrent audit, Bank audits, Operational Risk Management, Risk Control Self Assessment (RCSM), Audit of Insurance Operations, Process audits and fraud investigation. In Muthoot Housing Finance Company Limited, Rahul Verma 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