Management

Mr. Srinivasan Sridhar is an eminent personality in the Banking and Finance industry and has held several senior positions in retail, corporate and export/import banking in his career of almost 4 decades culminating as the Chairman of NHB and the Central Bank of India. In his stint as Chairman and Managing Director of the NHB, he was responsible for a number of new initiatives such as the NHB Residex, Rural Housing Fund, and Reverse Mortgage for senior citizens. Prior to this, he was associated with the Export Import Bank of India as Executive Director as well as the State Bank of India in the early part of his career.

Mr. Mathew Joseph has over 35 years’ experience with India’s Largest Housing Finance Company and superannuated as Member of Executive Management and Chief Risk Officer. Apart from overseeing Risk, his expertise included both Retail and wholesale Financing and was a Member of Core Committees of the Corporation. During his tenure with the Corporation, he led World Bank / IFC assignment’s for supporting and establishing Housing Finance Institutions in Africa and Asia. He holds a bachelor’s degree in science from the Madras University and is a Member of the Institute of Chartered Accountants. He is a Director on the Boards of Tamil Nadu Urban Infrastructure Financial Services Ltd, Tamil Nadu Urban Infrastructure Trustee Co Ltd, Veritas Finance Private Ltd and a Consultant with World Bank for their Affordable Housing Fund. He is also an advisor on Lok Capital, an Impact Fund.

Mohan Sekhar is a recognized C-level global IT Consulting & Services industry thought leader with over 30 years’ experience in transforming both large and midsized organizations enabling market leading growth and profitability. He has led the rotation of business to Digital, transformed talent to new technologies and architected Innovation at scale, a first in the industry. He has served on the board of both publicly listed and privately held companies. The past 3 years, he has been part of the startup ecosystem in advisory roles.

Mr. Girish Kousgi is a seasoned leader in the financial services sector with nearly three decades (30 years) of diverse experience across banking and finance. He has a deep understanding of asset and liability management and extensive expertise in mortgages, retail lending, SME, and agri business. He has managed a broad suite of financial products, including home loans, business loans, Loan Against Property (LAP), personal loans, mortgages, deposits, retail, and rural products. He has consistently demonstrated strategic acumen in sales, product development, credit underwriting, risk management, and operations.

He has held senior leadership positions at several reputed institutions, including as Managing Director & CEO of PNB Housing Finance Limited and Can Fin Homes Limited, along with key leadership roles at Tata Capital Financial Services Limited, IDFC Bank Limited, and ICICI Bank Limited. Mr. Girish Kousgi holds an Executive Master's Diploma in Business Administration from the Institute of Commerce and Trade and a Bachelor's degree in Commerce (B.Com.).

Mr. Sachdewa is a member of the leadership team at IIFL Home Finance, bringing over 26 years of experience in housing finance and banking. He has held senior leadership roles at leading institutions, including Axis Bank and HDFC Ltd., with expertise across distribution, transformation, marketing, and business development. His leadership experience includes serving as CEO of HDFC Sales Pvt. Ltd. and driving international expansion as Regional Head – Dubai & GCC.

At IIFL Home Finance, he focuses on business growth, customer engagement, and strategic initiatives in affordable housing. He has been associated with the Company since August 2025.

Mr. Tushar Kotecha leads the Company's financial strategy, governance, and long-term growth initiatives. A Chartered Accountant with over 25 years of experience, he has served as Chief Financial Officer at WeRize, Edelweiss Housing Finance, and Aditya Birla Housing Finance, among other financial institutions. His career reflects a strong commitment to driving growth and innovation in the housing finance industry. He has been associated with the Company since September 2025.

Mr. Ajay Kumar Jaiswal is a seasoned compliance and corporate governance professional with over 23 years of experience in banking and finance. A member of the Institute of Company Secretaries of India, he currently serves as Chief Operating Officer, overseeing the Company's operations related to business, investments, and fund-raising.

Before joining IIFL Home Finance, he held leadership positions as Head of Compliance and Company Secretary at Edelweiss Housing Finance and Deutsche Postbank Home Finance. His career also includes serving as Company Secretary at Habitat Housing Finance Ltd. and Marvel Vinyls, demonstrating a strong track record in corporate governance and regulatory compliance.

Pradeep is a Chartered Accountant, an All India 27th Rank holder, a Certified Information Systems Auditor (CISA), and a Project Management Professional (PMP), with international experience in enterprise risk management and project management.

He has designed and implemented Enterprise Risk Management frameworks for an international bank, a payments bank, digital assets, blockchain technologies, and other fintech initiatives. He also brings strong governance and regulatory expertise, gained through his membership on Board, Risk, and Governance Committees.

Mr. Jain is a seasoned business leader, Chartered Accountant, and Cost Accountant with over two decades of extensive experience across secured and unsecured lending portfolios. His professional journey reflects deep expertise and leadership in the banking and financial services industry.

He began his career with Standard Chartered Bank and joined Citibank in 2003, where he held several key leadership roles, including Head of Collections. In 2023, he joined Axis Bank, where he led the Collections Strategy and Fraud Control Unit (FCU) functions for retail banking portfolios, further strengthening his expertise in risk, governance, and operational strategy.

Mr. Jain has led diverse functions, including Credit, Collections, Fraud Control, Quality, Compliance, and Technology. He brings a proven track record of building scalable operating frameworks, enhancing customer experience, driving collections strategies, and leading process and technology transformations.

Aarti brings over two decades of diverse experience in human resources across retail, QSR, NBFCs, and telecommunications. She joined IIFL Home Finance Ltd. in August 2025.

Known for her strategic leadership and people-first approach, Aarti has deep expertise in human capital strategy, talent management, leadership hiring, diversity and inclusion, and large-scale organizational development.

Throughout her career, she has played a key role in building high-performance cultures, driving organizational transformation, and mentoring teams to become future-ready. Her strengths include influencing business leaders, fostering cross-functional collaboration, and implementing impactful HR initiatives that enhance organizational effectiveness.

Sumit brings nearly 24 years of experience in IT strategy, digital transformation, and process optimization within the financial services sector, along with deep expertise in the housing finance industry.

In his previous role as Chief Information Officer at India Mortgage Guarantee Corporation, he successfully aligned technology initiatives with business objectives, driving innovation, operational efficiency, and organizational resilience.

He has also served as Head – IT at PNB Housing Finance, where he led large-scale system implementations, strengthened stakeholder collaboration, and enhanced operational performance across functions. His expertise spans IT governance, regulatory compliance, cybersecurity, and the application of advanced analytics to optimize costs and enable data-driven decision-making.

Ruchika is a seasoned professional with over 20 years of experience in secured lending across leading global and Indian financial institutions. She has a proven track record of driving growth, profitability, and transformation in retail lending.

She leads product and policy strategy for home loans and Loan Against Property (LAP), ensuring alignment with business objectives and regulatory requirements.

Ruchika has held leadership positions at Axis Bank and Citibank. Her expertise spans end-to-end product lifecycle management, integration of digital platforms with loan origination systems, and the development of customer-centric solutions across diverse segments. A Chartered Accountant by qualification, she brings strategic vision and deep domain expertise to the leadership team.

Lokesh leads the Green Value Partner team at IIFL Home Finance Ltd., specializing in real estate valuation, green building consulting, and the IIFL ONEHOME digital auction platform.

With over 24 years of experience across infrastructure, hospitality, residential, and commercial real estate, he holds an Honorary Doctorate in Real Estate Management, an MBA in Finance, and a Master's degree in Real Estate Valuation.

His expertise includes feasibility studies, valuation, project financing, stressed asset resolution, and legal proceedings relating to property disposals and arbitration. A registered valuer with IBBI and RICS India, Lokesh has held senior positions at Religare Finvest, Magma Housing, ICICI Bank, and CBRE, where he led internal valuation teams.

Manoj brings over 20 years of legal experience, specializing in property law and mortgage finance. He has been associated with IIFL Home Finance since 2014, following more than 11 years at Indiabulls Housing Finance, where he built a strong foundation in real estate finance and legal compliance.

As Head – Legal, he oversees all legal matters related to the mortgage business, ensuring regulatory compliance and managing customer grievances escalated to regulatory authorities. He also advises on the recovery of stressed assets, leveraging his expertise to resolve complex matters while aligning legal strategy with business objectives.

Vineet brings over 18 years of experience in the BFSI sector. His core expertise includes strategic risk management, governance and compliance, digital transformation through data analytics and AI, stakeholder management, and resource optimization.

Before joining the Company, he served as Assistant Vice President at Axis Max Life Insurance for nearly a decade. He has also held key positions at Bharti AXA General Insurance, CitiFinancial, Cholamandalam DBS, and HDFC Bank.

Geeta is a seasoned professional with 20 years of experience in corporate governance and regulatory compliance. She has worked with listed organizations, including SREI, Infosys, Apollo Munich, HDFC ERGO, PNB Housing Finance, and Jio Finance. She is a qualified Company Secretary and a law graduate.

In her previous role as Company Secretary & Compliance Officer at Jio Finance, she was responsible for strengthening corporate governance, supporting the Board, managing shareholder relations, and ensuring compliance with management committee requirements, while ensuring adherence to all applicable laws and regulations, including SEBI and RBI requirements.

Mr. Venkataramanan Anantharaman has over 30 years of experience in the financial services sector in India and overseas, having led corporate and investment banking teams in several leading international banks. He was also a Senior Advisor to British International Investment (formerly CDC), the UK Government Development Finance Institution. He is currently Chairman of Transunion CIBIL, India’s leading Credit Information Bureau and is on the Boards of The Indian Hotels Company Limited, Axis AMC and Ecom Express. He is an advisor to Lighthouse Funds, a leading consumer and healthcare focussed mid-market growth private equity firm. He brings strong Board level advisory experience across mergers & acquisitions, capital markets, risk management, HR and ESG. Anantharaman holds a BE in Metallurgy from Jadavpur University and a PGDBM from XLRI, Jamshedpur. He has also has an FT Non-Executive Director Diploma and an ESG Competent Boards Certificate and Designation (GCB.D).

Ms. Mohua Mukherjee is a seasoned development economics professional with thirty years of international experience. She was among the youngest candidates ever selected for the globally competitive Young Professionals’ Program of the World Bank in Washington DC. Her career at the World Bank included responsibility for designing and supervising World Bank investment projects, based on dialogue with Ministers and senior government officials in client countries. Mohua has led policy dialogue and formulated investment projects in 9 different sectors of the economy, in 44 countries on 4 continents, all pertaining to the UN’s Millennium Development Goals and later the Sustainable Development Goals. She is an experienced leader of multi-disciplinary teams and has received various awards of appreciation from government clients for her consultative approach.She headed the Corporate Finance department first at Citibank and then at ABN AMRO Bank Nairobi, Kenya. Apart from this hands-on financial sector experience in Kenya, Mohua also has energy sector investment experience in 15 African countries, plus Nepal and Bangladesh and of course India as well.From 2014-2017, Mohua led the India Solar Energy Team of the World Bank, and she was responsible for managing a large team of professionals to complete the delivery of a US$1 billion solar program to the government of India. The US$640 million blended-finance Solar Rooftops project with the State Bank of India, which she designed from the start, brought the OPEX model to the Indian solar rooftop market. Apart from the solar energy sector, Mohua also has a great deal of experience in the Indian electricity distribution company sector. She has contributed to various World Bank publications and also has three solo-authored books, with the most recent one being (in 2014) on private participation in the Indian power sector.In 2017 she ended her long career in Washington and moved to Bangalore for family reasons. Following her relocation to India, Mohua worked pro-bono for 2 years at the International Solar Alliance, to support its initial establishment. She is currently a World Bank consultant and she is Advisor to the India Smart Grid Forum.Mohua has a Bachelor’s and Master’s Degree in Economics, with distinction, and a Master of Business Administration degree in International Finance, all from Boston University. She also has a certificate in Public Private Partnerships from the Harvard Kennedy School.

Mr. Ramakrishnan Subramanian is a Chartered Accountant, Cost Accountant and Master’s in Commerce. He has served several leading Banks, FIs in leadership roles since 1990 in India and abroad. He is a Sr Advisor & Nominee Director and a Strategic consultant with leading Private equity, Venture Capital, Fintechs. He has 30 plus years of leadership experience in Banking and Strategic Consulting in India, Singapore, Hong Kong, Thailand, Vietnam, APAC markets with expertise in Board, Advisory & Consulting, CEO & Country Head roles, Business Head, Risk.

Mr. R. Venkataraman is a non-executive Director of our Company . He holds Post Graduate Diploma in Management from the Indian Institute of Management (IIM), Bangalore, and a Bachelor’s degree in Electronics and Electrical Communications Engineering from IIT Kharagpur. He has contributed immensely to the establishment of various businesses and spearheading key initiatives of the IIFL Group over the past 25 years. He previously held senior managerial positions in ICICI Limited, including ICICI Securities Limited, their investment banking joint venture with JP Morgan of US, and Barclays – BZW. He also worked with GE Capital Services India Limited in its private equity division. He has a varied experience of more than 32 years in the financial services sector.

Mr. Kabir Mathur is Head of Asia Pacific within the Private Equities Department of Abu Dhabi Investment Authority (ADIA). He is responsible for leading all aspects of ADIA’s private equity activities in the Asia Pacific region and is a member of the Private Equity Executive Committee. Prior to joining ADIA in 2018, Mr. Mathur worked at Kohlberg Kravis Roberts & Co (KKR) where he was responsible for sourcing, executing and managing private equity investments in Asia. Mr. Mathur joined KKR in 2008, having previously worked at TPG Capital, also in their Asian private equity business. Mr. Mathur began his career in the Investment Banking division of Citigroup/Salomon Smith Barney. Mr. Mathur graduated from the London School of Economics and Political Science with a BSc (Hons.) in Economics.

Mr. Vinod Padikkal is a seasoned private equity professional with over 15 years of experience across global investment firms, including sovereign wealth funds, private equity, consulting, and investment banking. He is currently a Senior Portfolio Manager at Abu Dhabi Investment Authority (ADIA), where he co‑leads India Private Equity investments and has overseen equity deployments of approximately US$1.5 billion, with active board involvement across multiple portfolio companies. His sectoral expertise includes financial services and healthcare, with broader exposure across Southeast Asia and China.

Prior to ADIA, Mr. Padikkal spent nearly eight years at Advent International, where he rose rapidly from Associate to Director, leading the financial services practice in India and contributing to investments exceeding US$1 billion, alongside successful exits and complex financing initiatives. He has also held investing roles at Bain Capital, strategy consulting experience at Bain & Company, and early‑career exposure at Macquarie Group and Verizon Data Services.

Mr. Padikkal holds a PGDM from IIM Ahmedabad and a B.Tech in Computer Science and Engineering, and is recognized for strong leadership, execution capability, and deep experience in portfolio management and value creation.

He is a MBA from IIM, Ahmedabad, a rank holder Chartered Accountant and a Cost Accountant. He started his career in 1989 with Hindustan Lever Limited (HUL), the Indian arm of Unilever. He founded Probity Research and Services (later re-christened as India Infoline Limited) in 1995; one of the first independent equity research companies in India. Under his leadership, IIFL Group has grown into a dominant and diversified player in the financial services space.

Mrs. M. V. Bhanumathi, aged 63 years, holds a Degree in B.Sc. & M.Sc. in Agriculture from University of Tamil Nadu and Bachelor of Law from University of Delhi, M Phil in Social Sciences from Panjab University and Masters Diploma in Public Administration from Indian Institute of Public Administration. She retired as the Director General of Income Tax – Investigation, Mumbai region, Income Tax Department in May 2022. She joined the Indian Revenue Service in 1987 and had 36 years’ experience in public service. She held important positions in the Government of India and represented India in many international bodies. She has served as the co-chairperson of the Asia Pacific Regional Review Group for Anti-Money Laundering and Counter-Financing of Terrorism of the FATF and contributed to the strengthening of the regulatory and policy structures of countries in the region. She is currently serving as an expert adviser on Tax Crime in the panel of UNDP, Independent Director on the Board of Adani Ports and SEZ Ltd, Shriram Finance Ltd and UPL Ltd, Independent External Monitor in Pasteur Institute of India, Coonoor and Bank Note Paper Mill India, Mysore and a trustee in Pratham Mumbai, an educational initiative.