Trusted partner of over 50,000+ home owners

He is a qualified Chartered Accountant and a Company Secretary. He also holds a bachelor’s degree of Commerce from Mumbai University. He has over 14 years of rich experience in BFSI sector, more particularly with non-banking financial companies (NBFC), in both retail and wholesale financing businesses. With strong analytical mind, he holds deep experience across all facets of finance i.e., fund raising and treasury management, investor relations, business planning & strategy, financial reporting, tax, audit, secretarial and regulatory compliances. His last assignment was as a CFO of Xander Finance, NBFC backed by Singapore based Xander Group. His previous role included fund raising for the NBFC business from Banks/ FIs and capital markets and supervising financial reporting and regulatory compliances. Prior to Xander, he has been associated with JM Financial, Karvy Group, PricewaterhouseCoopers and Ernst & Young.

He has more than 2 decades of experience into Collections, Sales, Credit, Operations, Risk, Product, Strategy & Marketing. He holds Honours Graduate degree in Commerce from St. Xavier’s College, Calcutta and certified in “Enhancing Sales Force Performance” from IIM Ahmedabad. Earlier, he was associated with ICICI Bank, HDFC Bank, DCB, Indiabulls Housing Finance, DHFL, Magma Housing and Clix Capital

Rishikant Dubey has joined us as the Chief Risk Officer of the Company. He is an astute, result-oriented leader with over a decade of experience in Banking and financial services. He has experience in credit risk management, portfolio analysis, credit rating model development, operational risk and asset liability management of the Banks and financial services. He is an experienced and certified Professional Risk Manager (PRM) with multi-tasking abilities; having operated in high-pressure environments. His experience ranges in credit risk management like credit risk assessment, credit risk model development, credit risk model validation, ICAAP, development of RAROC template, calculation of capital charge for credit risk, IRB implementation and ECL computation in IFRS, operational risk management and policy framework for Operational Risk, Analysis of Key Risk Indicator, RCSA, Loss Data Analysis, Capital Charge Computation of Operational Risk, Fraud Risk Analysis Asset Liability Management including liquidity risk management in the Bank and Financial Services.

Ashish Singhania is a qualified Chartered Accountant and master’s in human resources. He also holds a bachelor’s degree of commerce from Symbiosis College of Arts & Commerce, Pune. He has over 22 years of HR experience in BFSI sector especially in life insurance, general insurance, and non-banking financial companies (NBFC). He comes with in-depth understanding of HR practices in all functions like talent acquisition, talent management, compensation & benefits, HR operations, statutory compliances, people engagement and development. His last assignment was with ICICI Lombard general insurance company and prior to this he has been associated with companies like HDFC Ergo general Insurance company and Bajaj Allianz life insurance company”.

Rahul Mishra is the Head of Internal Audit of the company. He is a qualified chartered accountant and a law graduate with over 11 years of experience spread across various Industries. He holds profound experience across internal auditing, risk assessment and fraud risk management with an in-depth knowledge of business processes, risk and internal control framework, and enterprise risk management for the manufacturing, service, housing, and micro finance industries. Integrity, transparency, and objectivity are the key fundamentals of his work ethos. His last assignment as Head of internal audit was with Svatantra Mircofin pvt. Ltd. and Svatantra micro housing finance limited and prior to this he has been associated with valued organizations like Aditya Birla Management Corporation pvt. ltd. and Sharp & Tannan Associates.

Naveen Manghani is a qualified company secretary as well as commerce and law graduate and has 16+ years of total experience including 4+ years in housing finance industry in the field of company secretarial function and he also has experience in corporate legal functions. He has worked in the industries like HFC, Automotive, FMCG and Retail. Manghani comes with proven experience of managing secretarial compliances of housing finance, amalgamation of companies, listing process, Issue & Buy back of shares/debentures, drafting & managing various schemes, policies & contracts and liaison with regulators & authorities. His last assignment was with JSW Energy Limited, managing company secretarial and compliance activities for about last one year and he has worked with companies like Piramal Capital & Housing Finance (formerly known as DHFL), Shree Renuka Sugars Limited, Setco Automotive Limited, V.I.P. Industries Limited, Trent Limited and Marico Limited.

Sachin Saxena is the Integrated Collections Head of Poonawalla Housing Finance Ltd (PHFL). 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 PHFL, Sachin worked with PNB Housing Finance Ltd, 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.

Pankaj Maduskar is the Chief Credit Officer. He brings with him a remarkable experience spanning over 22 years. He has extensive expertise in underwriting, risk management, stressed portfolio management, fraud management, and process and policy design. Pankaj 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, Pankaj worked as a National Credit Head at Edelweiss Housing Finance. He has also worked with organizations such as JM Financial Home Loans, L&T Housing Finance, and ICICI Bank.