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

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 is the CEO of Muthoot Housing Finance Company Limited. He has been associated with Muthoot since 2017 and has more than 27 years of rich mortgage experience in read more business development, credit appraisal, general and strategic management. His vast professional experience has steered organizations towards excellence and deliver exceptional results. Prior to his current role at Muthoot, Pavan has helmed various leadership roles with leading financial institutions such as 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).Pavan holds a Master’s degree in Business Administration from Utkal University and is a qualified CFA from ICFAI, Hyderabad.In Feb 2022, Pavan was chosen by StartupLanes as one of the ‘Top 60 CEO’s in India”. In March 2022 the World BFSI Congress recognised Pavan as “Most Admiring BFSI Leader - Professional”. In Feb 2020 Mr Pavan was featured in the list of “101 Top Most Influential BFSI Leaders”

Leadership Team

Vikas Srivastava

Vikas Srivastava

Chief Financial Officer

Vikas Srivastava has around 20 years of experience in Resources Management, Treasury, Finance Accounting & Corporate Planning including 16 years of experience in Banking and read more Financial Services Sector. 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 a member of The Institute of Chartered Accounts of India and commerce graduate from Delhi University.

S. Sumesh

S. Sumesh

Company secretary and Compliance officer

S.Sumesh, is a post graduate in Commerce and an Associate Member of the Institute of Company Secretaries of India (ICSI). He has a vast knowledge and expertise in the areas of read more Corporate Law and all other applicable laws germane to the Company. Sumesh, besides the realm of his domains,  keenly involves himself in  furthering the  vision and mission of the Company. He is associated with Muthoot Housing Finance Company Limited as Company Secretary and Compliance Officer since the last 10 Years.

Nishant Karkala

Nishant Karkala

Head - Credit

Nishant brings with him more than 22 years of rich experience in formulating and implementing credit strategies, loan underwriting, delinquency and Portfolio Retention. His read more experience in mortgage industry is around 20 years. He has worked with leading companies like Magma Housing Finance, Citifinancial, 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 MHFCL 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, Head operations and having 21 years of 360 degree experience  in Business Operations, Life Cycle Management for Retail Home Loans. She possesses vast experience in Capability read more Building, Leadership Development, Change Management, Competency Mapping frameworks, Content Development and delivery of high end training sessions. She also has been a great Coach and Mentor. She joins us from DHFL and prior to DHFL, Liza worked with leading organizations like SPA Capital Services, Cholamandalam MS General Insurance, BHW Home Finance and Deutsche Postbank managing various leadership positions. In Muthoot Housing Finance Company Limited, Liza is leading  Operations, Customer service and Administration functions in the Company.  

Ms. Shruti Jha

Ms. Shruti Jha

AVP-HCMD

Shruti brings with her 13 years of experience in Human resources across industries like Construction, Shipping, Education, IT and BFSI. She has worked with firms read more like Kalpataru, Executive Ship Management, and Cognizant. She comes with rich exposure across all domains of Human Capital Management and Development. She is a Civil Engineer from NIT Warangal and has done her MBA in Human Resource Management from SP Jain. She is responsible for the end to end Human Resource function of the company.

Mr. Ashok Gopalakrishnan

Mr. Ashok Gopalakrishnan

Head-Collections

Ashok brings with him more than 23 years of experience in handling delinquency management, risk management, People management, and Collection legal. He has experience across read more different products like Home Loans, Commercial vehicles, construction equipment, auto loans, personal loans, and credit card with Major Indian leading Banks. He was associated with organizations like PNB Housing Finance Ltd, Deutsche Postbank Home Finance Ltd., Axis Bank, HDFC Bank LTD, ICICI Bank Ltd, and IndusInd Bank Ltd. He has completed his Master’s in Business Administration from the Indian Institute of Business Management and Studies. In Muthoot Housing Finance Ashok is responsible for managing the vertical of collections.

Deepa Shrivastava

Deepa Shrivastava

Head - Internal Audit

Deepa is a Chartered Accountant and Company Secretary. She has done certification course on Forensic Audit and is holding a degree in Information Systems Audit (DISA) from read more ICAI. She brings with her 20 years of rich experience into Internal Audit across industries. She was previously associated with MHFCL. She has worked in various assurance functions like, internal controls implementation, internal audits, process reviews, fraud investigations, IT General Controls review, operational process review and data analysis”

Vilesh Mehta

Vilesh Mehta

Head – Business Development

Vilesh brings with him more than 20 years of rich experience in strategic planning, sales management and business development. He has previously worked with Tata Capital read more Housing Finance Ltd,Fullerton India Home Finance Company Ltd & Dewan Housing Finance Corporation Limited and HSBC. Vilesh joins us from Tata Capital Housing Finance Ltd. He comes to MHFCL with a vision to enhance our business across all states and to create a larger portfolio of customers PAN-India.

Milind Koyande

Milind Koyande

Sr. Manager – RCU

Milind Koyande brings with him over 22 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 read more Magma Fincorp. He has been instrumental in setting up the RCU unit at MHFCL 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.