Leadership Team

shaji_varghese Executive Director, Business Development
Mr. Shaji Varghese has more than 22 years of experience in retail assets, liabilities and wealth management. He has been an integral contributor in setting up large successful businesses across geographies and managing high performance teams. His forte is retail distribution and managing sustainable and profitable business. Prior to this assignment, Shaji was the Senior Vice President and Business Head, Secured Assets at Indusind Bank.
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He has also handled assignments with leading financial institutions and banks like ABN AMRO Bank NV, ICICI Bank Ltd. and Transamerica Apple Distribution Finance Ltd. He holds Bachelor’s degree in Law (LLB) and Master’s degree in Management Science (MMS).
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ajay_gupta Executive Director, Risk Management
Mr. Ajay Gupta holds a Bachelor’s Degree in Commerce from University of Delhi. He is also a Chartered Accountant from ICAI.An accomplished risk management professional with over 27 years of rich experience in credit cycle management across a diverse product group comprising SME Loans, Loan Against Property, Home Loans, Builder Finance, Construction Equipment Loans, Commercial Vehicle Loans, Business/ Personal Loans and Auto Lease.
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His areas of expertise include Credit Policy & Underwriting, Collection Management, Fraud Control, Risk Analytics & Portfolio Management.Prior to PNB Housing, Ajay has worked with Religare Finvest Ltd. as Director and CRO, India Bulls Financial Services as Risk Head, and has also served  GE Money,  ANZ Grindlays Bank & Standard Chartered Bank in various roles.
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nitant_desai Chief Centralised Operation and Technology Officer
Mr. Nitant Desai  is an astute professional with more than 33 years of varied and relevant experience in retail finance with leading banks and financial institutions in India and the Middle East. He has vast knowledge in operations management, client servicing, quality & compliance and business process re-engineering.
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Prior to PNB Housing, he has worked with reputed organisations like HDFC Life Insurance Co. Ltd., Union National Bank – Abu Dhabi, ICICI Bank Ltd., GE Countrywide, TATA Finance Ltd. and HDFC Ltd.
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anshul_bhargava Chief People Officer
Mr. Anshul Bhargava is a dynamic and result oriented HR professional with over 25 years of experience. He has excellent understanding and domain expertise in variety of spheres relating to human capital. He has keen interest in mentoring and training, performance management and cadre building. His last assignment was with Asset Reconstruction Company (India) Ltd. He has also served the Indian Army.
Mr. Kapish Jain Chief Financial Officer
Mr. Kapish Jain is a business focused solution oriented finance professional with more than 20 years of experience in the BFSI sector. With strong analytical mind he holds rich experience across all facets of finance i.e. Treasury, Business planning & MIS, Accounts, Audit, Secretarial and Compliance. He is a qualified Rank holder Chartered Accountant, Company Secretary and Cost Accountant.
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Previously, he was Chief Financial Officer and Principal Officer at Xander Finance. Prior to Xander, he has held various assignments with leading finance organizations and banks like Au Small Finance Bank, ICICI Prudential Life Insurance, Deutsche Bank and so on.
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sanjay_jain Company Secretary & Head Compliance
Mr. Sanjay Jain is a professional with more than 29 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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