Senior Management

Mr. Ramratthinam S – Chief Executive Officer

Ramratthinam has over 25 + years of experience in the retail lending industry and has exposure to all secured and unsecured lending. He has handled the functions of Sales, Credit, Operations, Risk and Treasury in his earlier work assignments. He has worked with Companies like Sundaram Finance ,Citicorp Finance, Centurion Bank of Punjab and he was the Chief Risk Officer at Dewan Housing Finance Corporation Limited, prior to joining Muthoot Homefin Limited.He has participated in various forums, panel discussions conducted by NAREDCO, NHB, World Bank IFC etc both locally and internationally in pushing the agenda of housing reforms, particularly in India.

Mr. Pandurang Kadam – Chief Financial Officer

Mr. Pandurang Kadam is a Chartered Accountant and has a 12 years of diversified experience with expertise in Finance. In his role as a Chief Financial Officer, he is responsible for fund raising, Finance and Accounts. Prior to Joining Muthoot Homefin (India) Limited, he was the Chief Financial Officer at India Home Loan Limited. He has also worked with the organisations such as IndoStar Capital Finance Limited, Karvy Financial Services and Anand Rathi Group.

Mrs. Jinu Mathen – Company Secretary

Jinu Mathen, an Associate Member of the Institute of Company Secretaries of India (ICSI), is a Commerce Graduate, and holds a Master’s Degree in Business Administration from Sikkim Manipal University. Prior to joining Muthoot Homefin in December 2014, she started her secretarial profession at M/s. SVJS & Associates, a top-notch practising firm of Company Secretaries, having its headquarters in Kochi and operating across the country. She was part of the core team of proficient corporate professionals, handling compliances and audits at various levels including Corporate laws, Finance laws, Regulatory compliances etc.

Mr. Rahul Jagtap – Head – Legal

Rahul is an LLB by qualification. He has completed his Law in the year 1999 from Sir L A Shah Law College of Ahmedabad. He has a Bachelor’s Degree in Commerce from Gujarat University and completed PGDM programme from The Indian Management Academy.He has a rich experience of 17 years in Legal field both in the business as well as the litigation side.He joined the company in March 2016. He started his career with Tata Finance Ltd and worked with HDFC Bank ltd for almost 10 years before joining MHIL. In his previous assignment, He was handling West Zone in HDFC Bank Ltd for Retail Assets Legal & Collection portfolio.

Mr.Anna P. Sale Patil – Head Business Legal

Anna P. Sale Patil is a Law graduate and has over 15 year experience in Legal filed, in which he has more than 10 years’ experience in Mortgage Industry. He has an exposure in Litigation, Non – Litigation and compliances. He has handled litigation, collection legal, Pre disbursement legal activity and legal compliances in his previous companies. He has worked with Government Agencies and Companies like Maharashtra Police, ARCIL, DHFL and CGCL. Before joining Muthoot Homefin (India) Ltd., he was working with Capri Global Capital Ltd. in Retail Assets Division and was heading the legal department. Currently he is working as a Head – Business Legal in Muthoot Homefin (India) Ltd.

Mr. Mangesh Amdekar – Head – Technical

Mangesh Amdekar has over 14 years’ experience in Real Estate Appraisal & Technical Valuation. He has done his Civil Engineering from Pune University and a Diploma Holder in Human Resource & Finance Management from L. N. Welingkar Institute, Mumbai. He is also a Member of Indian Institution of Valuers. He was the Head of Technical Department at Aadhar Housing Finance Limited before joining Muthoot Homefin (India) Ltd. He Joined Muthoot Homefin ( India) ) Ltd. in November 2015 as Head Technical. He has handled similar profiles in other companies like ICICI HFC, Kotak Mahindra Bank Ltd., DHFL & Aadhar Housing Finance ltd.

Mr. Prasad Bendre – Head – Operations & Collections

Prasad Bendre is B.Com graduate and has done Diploma in Financial Management and Business Administration. He has done Management Development Programme from IIM (A). He possesses over 22 years of experience in Operations, Credit and Collections. Before joining Muthoot Homefin (I) Ltd, he was with Manappurram Home Finance, DHFL and IDBI Home Finance. He is working as Head – Operations & Collections.

Mr. Hrishikesh Gandhi – Head – Human Resources

Hrishikesh is associated as HR Partner, he manages the HR & Admin function. He brings along with him a rich experience of 12 years in HR. His last association was with DHFL for over 5 years, he has also worked for companies like HDFC Bank, CBOP and Emkay. He is a full time MBA in HR & Marketing. 

Mrs. Mehjabeen Taj Aalam – Head Information Technology

Mehjabeen Taj Aalam, a MBA in Systems from Narsee Monjee Institute of Management Studies, Mumbai, and a Gold medalist and University topper in M.A. – Economics, brings in over 10 years of valuable experience in managing Information Technology in complex IT landscapes. She has been involved in a wide variety of system implementations and large scale projects across verticals, scale and technology platforms, IT infrastructure development and digital initiatives in the financial services and manufacturing sector. Mehjabeen in her current role is responsible for the overall IT strategy of the company and its execution. Prior to joining Muthoot Homefin (I) Ltd, she worked with Fullerton India Credit Co. and Mahindra & Mahindra.

Mr. Deepu Thankachan – Head – Internal Audit

Deepu Thankachan joined Muthoot Homefin in July 2017 as Head – Internal Audit. He was associated with Muthoot Finance since February 2010 with an experience of more than 7 years. He holds Master degree in Commerce and a full time MBA in Finance & Marketing.