Leadership Team

sunilkaul Managing Director & CEO
Mr. Girish Kousgi is a Banking professional with over 25 years of experience. He has extensive experience of managing assets and liabilities and has gained expertise in mortgage, retail lending, SME and Agri business.

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He has earlier worked in HDFC Ltd., ICICI Bank, IDFC Bank and Tata Capital. He has dealt with a variety of loan products like home loans, business loans, LAP, personal loans, mortgages, deposits, retail, rural products, etc. and gained wide experience in handling sales, product, credit underwriting, risk and operations.

He has significant experience of retail banking for over 22 years in Bengaluru, Mumbai Hyderabad and Cochin apart from an experience of about 11 years in credit risk including risk-based verification strategies for loan products, measure credit expansion opportunities in the lending market and validate and implement credit risk models.

Mr. Girish Kousgi is a Post-graduate in Business Administration (MBA) and graduate in Commerce (B.Com).

Prior to joining PNB Housing, Girish Kousgi was MD & CEO of Can Fin Homes Limited (September 2019 to October 2022).

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sanjay_jain Company Secretary & Head Compliance
Mr. Sanjay Jain is a professional with more than 31 years of experience as Company Secretary, in Corporate finance, Treasury, Regulatory compliances, Legal issues and Internal audit. He has held various positions in PNB Housing in last two decades. He is a fellow member of Institute of Companies Secretaries of India and Bachelor of Law from University of Delhi.
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Prior to joining PNB Housing, he has worked for seven years with a leading construction Group.
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Vinay Gupta Chief Financial Officer
Vinay Gupta, Chief Financial Officer at PNB Housing Finance is a seasoned finance professional with over 20 years of experience. Vinay is a CA from ICAI batch of 2002 and comes with an extensive experience in financial management, financial planning, Indian and US GAAP accounting, treasury operations, budgeting, forecasting, regulatory reporting and MIS.Read More

He has also dealt with divestment, merger, IPO including due diligence and valuations. He is an expert in long term and medium term strategy and decision support for top management through detailed analytics.

As Chief Financial Officer, he is responsible for strengthening organization’s overall financial structure, ALM structure and managing liquidity and investments, guiding the Company in managing revenues, profitability and key financial metrics within the framework of given opportunities and constraints.

Prior to joining PNB Housing Finance, Vinay was associated with SBI Cards as Senior Vice President Finance. He has worked with organizations like GE Capital, PWC and A.F.Ferguson & Co. in his prior stints.
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sanjay_jain Chief Technology Officer
Anubhav Rajput brings with him 22 years of experience in designing technology-led organisations with scaled-up operations and achieving a competitive edge through a tech-driven approach. As a key member of PNB Housing’s leadership team, Anubhav spearheads the company’s technology and digital transformation mandateRead More

Anubhav leads the core technology operations, platforms, applications, new digital initiatives, cloud, analytics and IT operating models, thereby ensuring that PNB Housing Finance adopts contemporary technology paradigms. As Chief Technology Officer, he is responsible for strengthening the fintech ecosystem and creating a sustainable roadmap for business growth. He has a proven track record in designing and developing innovative technological systems. His expertise in the field of IT adds significant value towards the product offerings and future digital initiatives of the organization.

Anubhav has extensive experience in leading organisations through their digital journey and creating value for business enterprise. Prior to the current role, Anubhav was working as the CIO and head of digital and operations for Cholamandalam MS General Insurance and prior to that he has worked for organizations like Niva Bupa Health Insurance, IBM India, Tata Communications and AT&T (Lucent) in various leadership capacities.

Anubhav has a Master’s in Business Administration from S.P. Jain Institute of Management and Research, and a degree in Computer Engineering.
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sanjay_jain Chief Transformation Officer
Anujai Saxena, Chief Transformation Officer at PNB Housing Finance Limited is a seasoned professional with more than 18 years of rich experience in managing some of the most complex business strategy and transformation agenda in leading establishments in India.Read More

He has a proven track record in the areas of Business Strategy, Digital Transformation, Program Management, Lean Six Sigma and Product Management across diverse financial services businesses. He has resolutely driven organizations forward by handling various challenging business cycles, delivering exemplary results and writing some extraordinary turnaround stories of intricate businesses.

Anujai plays a crucial role within PNB Housing Finance leadership team in driving the organization’s Business Transformation journey. With a deeper understanding of how various cross-functional teams contribute to the business, he has been effective in envisaging a performance led pathway to growth for the organization.

Prior to joining PNB Housing Finance, Anujai was associated with prominent Mortgage, Consumer Finance and Fintech organizations including Pine Labs, SBI Cards, GE Capital, ICICI Bank and HDFC Ltd in various leadership roles. He completed his Master’s degree in Business Administration from SVKM’s Narsee Monjee Institute of Management Studies.

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Amit Singh Chief People Officer
Mr. Amit Singh Chief People Officer at PNB Housing Finance Limited, is a seasoned HR professional who brings in 18 years of rich and diverse experience in building performance-led, competitive teams for the successful functioning of fast-growing organizations. Amit has diverse expertise across businesses like Asset Management, Investment Banking, Securities, Wholesale Banking, Project Finance, Risk, Private Equity, Shared Services and Information Technology in his elaborated career so far. He is known for his extensive experience in leading HR transformation journeys and creating value for Business enterprises.Read More

Amit plays a crucial role within PNB Housing Finance leadership team in supporting the organization’s growth and managing People strategy for the Company. He leads the HR function, which includes learning & development, talent acquisition, developing people-centric organizational development priorities including, talent management & development, coaching, capability building, performance & reward strategy, HR digital strategy and sustaining an inclusive work culture for business growth. Amit is also spearheading the CSR initiatives for the company and forwarding its agenda of nation building.

Prior to joining PNB Housing Finance, Amit was associated with prominent financial institutions, including SBI Mutual Fund where he led the HR department and IDFC Bank, where he was Director & Business HR Head. Amit also served stints at leading companies such as TCS and Blue Star InfoTech. Amit holds an MBA degree in Human Resource from ICFAI Business School, Mumbai.

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Pankaj Jain Chief Sales Officer – Retail
Mr. Pankaj Jain, in a career spanning nearly three decades, has built and scaled up retail mortgage businesses in various geographies across India. Pankaj is a seasoned Mortgage Professional with expertise in several domains across Home Loans and LAP products.
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A Professional who systematically & proactively plans and organises the tasks and processes at all times, Pankaj brings with him immense knowledge in successfully leading teams across verticals such as business development, sales management, branch operations efficiencies, portfolio management, developing sales and distribution through in-house channel and open market channel. His profound skills and hunger to deliver have helped organizations achieve goals effectively. His ability to anticipate issues & deploy resources appropriately has increased competency, productivity & service orientation.

Prior to joining PNB Housing Finance, Pankaj has worked with ICICI Bank for over 8 years and Reliance Capita for 5 years. With his zeal, passion and highly focused approach, he has propelled PNB Housing into the top league of housing finance companies and is credited with establishing a strong portfolio of products and processes for the company.

Pankaj and has done Diploma course in Business Administration from Welingkar University Mumbai.

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Rajesh Banerjee Chief Sales Officer – Retail Liabilities
Mr. Rajesh Banerjee is a seasoned business leader with nearly 2 decades of rich experience and over a decade of being in national roles across various banking spectrum straddling deposits, cross sell, Insurance and wealth management.
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Rajesh, is a veteran who brings with him remarkable and diverse experience in building performance-led, competitive teams for constructing liabilities businesses and attain market leadership. PNB Housing Finance is the 3rd largest HFC by deposits.

Rajesh is associated with PNB Housing Finance for over 10 years now and has played an instrumental role is leading the Deposits, Insurance and Cross Sell functions of the organization. Within the PNB Housing Finance leadership team, Rajesh has many firsts’ associated with his name. Being part of the core retail liabilities function, he has spearheaded cross functional transformational projects.

Prior to joining PNB Housing Finance, Rajesh was associated with prominent financial institutions, including ICICI Bank as Regional Head Wealth Management, and Indusind Bank as Head Relationship Management. He has done his MBA from Rajagiri College of Management and Applied Sciences, Kochi and holds bachelors degree in engineering.

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Rajesh Banerjee Chief Sales and Collection Officer
In a career spanning 27 years, Ms. Valli Sekar has an impeccable record of leading the affordable housing business at several financial organizations. She commands a deep understanding of affordable business and customer behaviour that has played a pivotal role in expanding the segments across various organizations.
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Ms. Sekar is a thorough professional with profound knowledge in building of business operations right from market identification, planning, infrastructure, resources, costing, and other operational & break-even strategies. She possesses sound understanding of the Tier III and Tier IV markets, sensitivities & customer nuances across these geographies! With her enormous expertise in the affordable housing sector, she is contributing immensely to the growth journey of affordable home loans at PNB Housing Finance

Valli brings with her skills in successfully leading teams, strategic planning and identifying business opportunities through channels and locations, setting up branches, providing technical assistance, and edge over the market trends on pricing as well as the legal practices. From her earlier stints, she brings understanding of retail asset products of Personal loan, Loan against property, and Auto Loans.

Prior to joining PNB Housing Finance, Ms. Sekar worked as a consultant in the role of National Business Head at GIC Housing Finance Ltd and worked with Mahindra Rural Housing Finance and Aadhar Housing Finance. She has also served stints at companies such as Shriram Housing Finance, Axis Bank and Kotak Mahindra Primus.

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sanjay_jain Chief Credit & Collections Officer
Mr. Jatul Anand is a seasoned Credit Risk specialist with over 20 years of experience in retail banking, credit underwriting and policy formulation, risk management, and collections. A banking professional with flair for mortgages and real estate lending, he exhibits excellence in defining and owning the end-to-end strategy and execution for lending business. Passionate about delivering trainings and nurturing talent, he is a strong believer that human capability development is one of the biggest business imperative for any organisation.Read More

Jatul, has been associated with PNB Housing Finance for over 9 years now, leading teams across various geographies and functions. Currently, he spearheads the credit underwriting and collections for retail business and has played a decisive role within PNB Housing’s leadership team in streamlining and improving existing processes, envisioning new methodologies, future trends and driving development. His capabilities to support and sustain a positive work environment that fosters team performance and relationship enhancement with clients has been pivotal in organization’s growth strategies.

Prior to joining PNB Housing Finance, Jatul was associated with leading banking institutions such as Standard Chartered and ICICI Bank. Jatul Anand is a Chartered Accountant, CAIIB and has graduated from Delhi University.

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