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. Ashish Ranka - Chief Financial Officer

Ashish Ranka is a Chartered Accountant by qualification. He brings with him an expertise of Finance & Accounts, Taxation, Compliance, Treasury Management, Fund Raising and Business Strategy. Before joining Muthoot Homefin (I) Ltd, he was with L&T Finance Holdings Ltd and India Infoline Ltd. He is working as CFO and looks after Finance, Accounts and Fund Raising.

Mr. Anil Jain – Head – Credit and Risk Management.

Anil Jain, a Chartered Accountant by qualification, brings in 16 years of work experience in diversified fields of Credit, Operations, Risk Management, Accounts & Finance and Real Estate Advisory in the mortgage industry.He joined the company in September 2015. Before joining the company, he worked with ICICI HFC, Deutsche Postbank HFC, Real Estate advisory and portal company Indiahomes.com.

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 Law graduate and has 15 years of experience in Legal field. He has exposure in Litigation,Non-Litigation and compliances. He has worked with Maharashtra Police, Government Department and companies like ARCIL, DHFL and Capro Global Capital Ltd. Before joining Muthoot Homefin (India) Ltd, he worked with Capri Global Ltd as Head Legal- Retail Assets

Mr. Mangesh Amdekar – Head – Technical

Mangesh joined the company in November 2015. He is a Civil Engineering Professional from Pune University and Diploma Holder in Human Resource & Finance Management from L. N. Welingkar Institute, Mumbai is also a Member of Indian Institution of Valuers.He was Head of Technical at Aadhar Housing Finance Limited before taking up the MHIL responsibility.Mangesh brings in over 13 years of Real Estate Appraisal & Valuation experience. He has worked in the similar profiles earlier into ICICI HFC, Kotak Mahindra Bank Ltd., DHFL & Aadhar Housing Finance ltd.

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. 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.