Senior Management

Ramratthinam has 27+ years of experience in the retail lending industry and has exposure to all the 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 Ltd., Centurion Bank of Punjab.  Prior to joining Muthoot Homefin (India) Ltd., he was the Chief Risk Officer at Dewan Housing Finance Corporation Limited. He has actively participated in various panel discussion conducted by NAREDCO, NHB, World Bank, IFC, etc. both locally and internationally in pushing the agenda of housing reforms in India. 


Mr. Pandurang Kadam Chief Financial Officer

Pandurang Kadam is a qualified 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) Ltd., he was the Chief Financial Officer at India Home Loan Ltd. He has also worked with companies such as IndoStar Capital Finance Ltd., Karvy Financial Services Ltd. and Anand Rathi Group.

Mr. Vikram Rooprai Head - Sales

Vikram Rooprai is a Retail Banking professional with a rich experience of 17 years in Retail Asset Business, specifically in NBFC, Housing Finance & Mortgage Industry. He has expertise in Mortgage Business with hands on experience in Sales, Product and Risk Management with segment-specific and area-specific strategy. His experience in setting up the franchise and managing the sales activities with profitable responsibility has won him many accolades from companies like ICICI, ABN AMRO NV Bank, GE Money, Fullerton India Credit Company Ltd., Reliance Capital Ltd., India Infoline Ltd. and Capri Global Housing Finance Ltd.

Mr. Dhanajay Munshi Head - Credit

Dhananjay Munshi is a Mechanical Engineer and holds a Master’s degree in Marketing Management from the Mumbai University. He has a work experience of 15+ years in the mortgage industry with overall exposure to all the mortgage departments. He has an expertise in the affordable loan segment where he has developed processes and systems to enable a robust credit module. Prior to Joining Muthoot Homefin (India) Ltd., he was working with Capri Global Capital Ltd. as a National Credit Manager and was responsible for credit underwriting and process management of Affordable home loan and small ticket Loan against Property.

Mr. Prasad Bendre Head – Operations

Prasad Bendre is a commerce graduate with Post Graduation in International Business. He has done Diploma in Financial Management and Business Administration. He has done Management Development Programme from IIM (Ahmedabad). He is a faculty to Indian Institute of Banking and Finance. He possesses over 24 years of experience in Operations, Credit and Collections. Before joining Muthoot Homefin (India) Ltd., he was with Manappuram Home Finance Ltd., DHFL, IDBI Home Finance Ltd., Tata Home Finance Ltd. and Gruh Finance Ltd.

Mr.Anna P. Sale Patil Head - Business Legal

Anna P. Sale Patil is a Law graduate and has over 17 years of experience in Legal field, out of which he has 12+ years’ experience into Mortgage industry. He has handled litigation, non-litigation and compliances in his earlier assignments. He has worked with Maharashtra Police, Asset Reconstruction Company (India) Ltd., Dewan Housing Finance Corporation Ltd. and Capri Global Capital Ltd. He joined Muthoot Homefin (India) Ltd. in February 2016. Prior to joining Muthoot Homefin (India) Ltd., he worked with Capri Global Capital Ltd. in Retail Assets Division and was heading the legal department.

Mr. Rahul Jagtap Head – Legal

Rahul Jagtap is a Law Graduate and has completed his Law from Sir L A Shah Law College of Ahmedabad. He possesses a Bachelor’s Degree in Commerce from Gujarat University and have also completed PGDM programme from The Indian Management Academy. He has 19 years of overall exposure into corporate as well as litigation legal field. He started his career with Tata Finance Ltd. Prior to joining Muthoot Homefin (India) Ltd., he was associated with HDFC Bank Ltd., for almost 10 years.

Mr. Hrishikesh Gandhi Head – Human Resources

Hrishikesh Gandhi holds a Commerce Degree from Mumbai University and is a post-graduate in HR & Marketing. He is associated with Muthoot Homefin (India) Ltd. as Head - HR & Admin. He brings along with him a rich experience of 15 years in HR and Admin. His last association was with DHFL for over 5 years, he has also worked for companies like HDFC Bank Ltd., Centurion Bank of Punjab and Emkay.

Mr. Deepu Thankachan Head – Internal Audit

Deepu Thankachan holds a Master Degree in Business Administration from Bharathiyar University, specialized in Finance & Marketing. He has completed his Master Degree in Commerce from Annamala University. He has joined The Muthoot Group in February 2010, he was associated with Muthoot Finance Ltd. for 7 years and now he is working with Muthoot Homefin (India) Ltd. since 2017. He brings along with him a rich experience of 9 years in Internal Audit and Risk. He has also worked with HDFC Bank before joining Muthoot Group.

Rahul Deshmukh Head - Collections

Rahul Deshmukh is a Science and Law graduate and holds Master’s degree in Marketing Management from University of Mumbai. He has overall 17+ years of rich experience in Collections, Recovery and associated credit risk aspects including law enforcement. His last assignment was with Shriram Housing Finance Ltd., as National Collections Manager. Prior to joining Muthoot Homefin (India) Ltd., he was associated with Dewan Housing Finance Ltd., HDFC Bank Ltd. and Weizmann Homes Ltd.

Ms. Jinu Mathen Company Secretary

Jinu Mathen, the Company Secretary, was appointed pursuant to a resolution passed by the Board of Directors on December 17, 2014. She has been associated with Muthoot Homefin (India) Ltd. since 2014. She holds a Bachelor’s degree in Commerce from Mahatma Gandhi University, Kerala and a Master’s degree in Business Administration from Sikkim Manipal University. She is an associate member of the Institute of Company Secretaries of India. Prior to joining Muthoot Homefin (India) Ltd., she was associated with M/s SVJS and Associates, Company Secretaries. She has more than six years of experience in corporate secretarial functions

Mr. Manish Mistry Head – Risk Containment Unit

Manish Mistry is an Commerce graduate with Executive MBA in Finance from University of Mumbai. He is Retail Banking Professional with 12+ years of rich experience in RCU (Risk Containment Unit). His last assignment prior to joining Muthoot Homefin (India) Ltd was  Essel Finance Business Loans Ltd; as FCU (Fraud Control Unit)  Head for LAP (Loans Against Property) & Affordable Home Loans. He has also worked for companies like Capri Global Capital Ltd; Axis Bank and I Process Services India Pvt Ltd (For ICICI Bank)

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