He has over 14 years of rich experience in the BFSI sector, more particularly with NBFCs and HFCs, in both retail and wholesale financing businesses. His specializations include business planning and strategy, mergers and acquisitions, treasury and investor relations, financial reporting and taxation, financial planning, and analysis, secretarial and regulatory compliances etc.
Prior to joining our Company, he has been associated with Xander Finance, NBFC backed by Xander Group as CFO & Company Secretary. He has also worked with Organisations like JM Financial Group, PwC and E&Y.
He is an associate member of the Institute of Chartered Accountants of India and the Institute of Company Secretaries of India. He also holds a bachelor’s degree in Commerce from Mumbai University.
Amit Kumar Khan
Chief Business Officer
He brings over two decades of extensive experience in various domains including Business, Credit, Operations, Collections, Risk, Product, Strategy and Marketing. He holds an Honours Graduate degree in Commerce from St. Xavier's College, Kolkata, and is certified in "Enhancing Sales Force Performance" from IIM Ahmedabad.
Amit has extensive experience in the financial sector, having worked with prominent institutions such as ICICI Bank, HDFC Bank, DCB, Magma Housing, and Clix Capital. This diverse experience has given him a deep understanding of the industry and a versatile skill set. His strategic acumen and consistent track record of delivering results have been instrumental in driving the success of various organizations.
Chief Risk Officer
He brings close to two decades of experience in banking and financial services. He holds an MBA degree from NIBM, Pune, and is a certified Risk Manager (PRM). With expertise in credit risk management, operational risk, and asset liability management, he plays a vital role in ensuring the stability and integrity of our operations.
As a highly skilled and results-driven leader, he has a proven track record in credit risk management, portfolio analysis, credit rating model development, operational risk, and asset liability management. His extensive experience includes working with banks and financial institutions, where he has successfully, implemented IRB frameworks, and computed capital charges for credit risk.
Before joining our company, Rishi held prominent leadership roles in esteemed organizations like the Bank of India, Ujjivan Small Finance Bank, and Muthoot Microfin, bringing a wealth of experience and expertise to his current position.
Head of Human Resources
He is a highly qualified professional with a strong background in human resources. He is a Chartered Accountant and holds a master's degree in human resources.
With over 22 years of experience in the BFSI sector, Ashish has expertise in the fields of life insurance, general insurance, and non-banking financial companies (NBFCs). He possesses a comprehensive understanding of HR practices across various functions, including talent acquisition, talent management, compensation & benefits, HR operations, statutory compliances, and people engagement & development.
Prior to joining our company, Ashish served in a leadership role at ICICI Lombard general insurance. He has also held positions at HDFC Ergo General Insurance and Bajaj Allianz life insurance.
Head of Internal Audit
He is a CA, CISA, LLB, and Commerce Postgraduate with over 12 years of diverse industry experience. Rahul is a career internal auditor with area of expertise in RBIA (Risk Based Internal Audits), Business Process Reengineering, Internal Financial Controls (IFC), and Agile Auditing. He has a deep understanding of business processes, risk and internal control frameworks, and enterprise risk management across sectors including manufacturing, service, housing finance, and microfinance.
In his last assignment, he worked as Head of Internal Audit at Svatantra Microfin Pvt. Limited and Svatantra Micro Housing Finance Limited. Prior to that, he worked with esteemed organizations such as Aditya Birla Management Corporation Pvt. Ltd. and Sharp & Tannan Associates.
Chief Compliance Officer & Nodal Officer
He is a qualified company secretary and commerce and law graduate with over 17 years of experience, excelling in regulatory compliance, company secretarial, and corporate legal functions.
With a keen eye for detail and a result-oriented approach, Naveen is adept at managing M&A activities, fundraising, policies, and contracts. He also excels in building effective liaisons with regulators and authorities to ensure smooth operations.
With expertise in managing compliances, amalgamations, listings, and contract negotiations, Naveen has worked in various industries, including Housing Finance, Manufacturing, FMCG, and Retail. His most recent role was at JSW Energy Limited, where he managed company secretarial and compliance. Naveen's impressive track record includes contributions to companies like Piramal Capital & Housing Finance, Shree Renuka Sugars, Setco Automotive, V.I.P. Industries, Trent, and Marico.
Integrated Collections Head
He is a highly accomplished professional with over two decades of experience in retail collections. He holds a bachelor's degree in commerce from Delhi University and has a proven track record of leading teams to achieve outstanding results.
Before joining our company, Sachin worked with PNB Housing Finance Limited, where he managed a portfolio worth 70,000 cr. In the early stages of his career, Sachin held various positions at esteemed organizations such as GE Countrywide, Standard Chartered Bank, Chola DBS, and Tata Capital/Housing Finance Ltd.
Chief Credit Officer
He has remarkable experience spanning over 22 years, he brings extensive expertise in underwriting, risk management, stressed portfolio management, fraud management, and process & policy design. He holds an engineering degree from the University of Pune and has further honed his skills through a post-graduation in Operations and Finance from the Welingkar Institute of Management.
Before joining PHFL, he served as the National Credit Head at Edelweiss Housing Finance. He has also worked with renowned organizations such as JM Financial Home Loans, L&T Housing Finance, and ICICI Bank, showcasing his proficiency in the field of credit management.
Head of Operations
He is the Head of Operations with over 16 years of valuable experience in the field. He holds a bachelor's degree in commerce and is currently pursuing the COO Certification Program from IIM Lucknow.
Siddharth possesses expertise in effectively managing branch operations and delivering exceptional customer service within a diverse branch network. Over the years, he has acquired valuable experience in various segments, including Prime/Affordable, Informal, and Construction finance. His deep knowledge and skills add immense value to our company’s operations.
Before joining PHFL, Siddharth held the Head of Branch Operations position at Aditya Birla Housing Finance Ltd. Throughout his career, he has gained valuable experience working with renowned organizations such as Aditya Birla Finance Ltd. and Standard Chartered Bank.”
Chief Information Officer
He brings over 18 years of experience in the navigation of modern technology, IT strategy, and project cum change management. With a Master of Computer Applications (MCA) from the Institute of Management Technology, Ghaziabad, he possesses a strong foundation in the field. He also holds a Bachelor of Commerce (Hons) degree and a Diploma in Software Development and Engineering, complementing his technical prowess.
Varun is passionate about creating and delivering effective strategies that meet the technology needs of the organization. His expertise extends to SaaS cloud-based IT landscape, serverless mobile apps, AADHAR biometric-based eKYC, eSign, eMandate, and core lending applications.
Before joining PHFL, Varun held key positions at prominent organizations like India Shelter Finance Corp Ltd., Hero Fincorp Ltd., Religare Finvest Ltd., and Max New York Life Insurance Ltd.
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