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#ArtInNews: Media highlights ART's threefold increase in lending business by 2017 (courtesy PTI) | Regional Media : Top hindi publications cover ARTs' expansion | ART expands beyond Delhi & NCR: Opens its branches in Haryana, Rajasthan, Maharashtra & Gujarat| As an NHB partner AAHF rolls out CLSS benefit for deserving Home Loan seekers.
Affordable Housing Finance

Management Team

Amar Bahl - EVP & Chief Operating Officer

Amar Bahl has a rich domain experience of 20+ years in the Financial Services industry. He was associated with the Reliance Capital Group for almost 11 Years and has worked in different assignments at Reliance Home Finance and Reliance Commercial Finance. He played a major role towards successful book creation with an AUM of Rs 13400 Cr in Reliance Home Finance and AUM of Rs 12000 Cr in Reliance Commercial Finance. As a part of initial team he contributed in most of the products journey from launch to growth phase (Affordable Housing, Home Loans, LAP, Construction Finance, Working Capital, Credit Cards, Personal Loans, Business Loans, Gold Loans, Commercial Equipment and Agriculture/SME loans for emerging markets). His last assignment with Reliance Home Finance was as a Business Head - Affordable Housing, Home Loans, Construction Finance and Syndication.

In his earlier assignments Amar played a major role with Standard Chartered Bank, in different geographies, as a Zonal Head - HL,LAP across India ( West, East, North ) and with ICICI Bank where he was handling Retail Investments and Liability Channels ( Branch Banking, Wealth Management, CASA, Fixed Deposits, Salary / Household A/c's, TASC Group, Bonds etc.). Amar also worked with SHCIL ( Stock Holding Corporation of India Ltd.) and Eureka Forbes Ltd in his early days.

Amar is an MBA in Marketing/Finance and holds a Bachelor's Degree in Commerce/Economics from Delhi University.

Vipin Jain - EVP & Chief Financial Officer

Vipin Jain is a career Banker with 16 plus years of experience in Banking & Financial Services with ability to oscillate between micro & macro thinking. His strengths include delivery of decision matrices through Planning, Controlling, Taxation and Audits and institution of Financial Systems. He has demonstrated effective usage of Corporate Governance tools in proactively supporting Business and Treasury management. He carries rich experience for roll-out in start-up companies, in fund raising, managing treasury operations, accounts, internal control and statutory compliance.

He has held various critical and strategic roles at Deutsch Post-bank Home Finance Ltd, Citibank and Lakshmi Vilas Bank at various functional & senior levels. Mr. Jain is a Chartered Accountant by qualification. At AAHF he is accountable for F&A, Treasury, Business Planning & Analytics, Audit & Compliance and Risk Management.

Manish Singh - Business Head

Manish Singh, MBA by qualification is passionate and result oriented professional, possessing more than 20 years of experience in BFSI. He has relevant and diverse cross functional expertise in setting and scaling up Retail Lending Businesses. During his stints at ICICI Bank, Dhanlaxmi Bank Ltd, Reliance Capital Ltd, Magma Shrachi Finance Ltd and erstwhile Apeejay Finance Group Ltd, he has significantly contributed in establishing large operations across various retail asset products like Commercial Vehicles, Mortgages, MSME and Home Loans.

At AAHF he is responsible for setting and scaling up the business operations across the country and ensuring the profitability and effectiveness of the vertical.

Parveen Chand Khanna - DVP - Builder Development & Construction Funding

Parveen Khanna is a Post Graduate with rich and relevant experience of over 25 years in Mortgage & Housing Finance Industry. His core strengths lie in Credit Underwriting, Risk Management, Credit Operations, Builder network, Administration & Monitoring. Parveen holds specialized experience in terms of Sales and Builder tie-ups in affordable segment, hence, he aims at securing larger chunk of business from Builder associations, contributing towards rapid growth of AAHF.

In the past he has worked with DHFL as Zonal Operation Manager (North India); India-Bulls Housing Finance Limited as Location Head; LIC Housing Finance Limited as Area Business Head (AGM – Delhi, NCR).

Dominic Vijay Kumar - Head IT

Dominic Vijay Kumar is an Electronics Engineer with over 18 years of experience in IT, Project Management and Application Management. He has an enviable track record of creating strategies to introduce and implement new technology initiatives, administering budgets and managing globally placed stakeholders. He plays a critical role in AAHF to Automate and Digitise the complete lending & servicing system.

He has been in various strategic roles at Max Ventures Ltd, Vana Retreats Pvt Ltd (affiliated to Max India Ltd), Kingfisher Airlines Ltd, Air Deccan Ltd & The Oberoi Group.

Ranjeet Kumar Mishra - Head - Credit, Products & Policy

Ranjeet Kumar Mishra is professionally qualified Chartered Accountant (CA) and Cost Accountant (ICWA). He brings in a rich experience of 12 years in Banking and Financial domain, from organizations like Religare Housing Development Finance Corporation, ICRA, R Systems, Polaris Software and IndusInd Bank. He played a critical role in launching Affordable Housing Finance Business at Religare and took it to a significant scale and book size. With a strong understanding of the under-served segment and expertise in Credit Under-Writing, Process Management, Policy Formulation, Risk Management and Product Development, Ranjeet aims to create a high quality portfolio at AAHF within the acceptable risk.

Sanjay Jaiswal - Head HR

Sanjay Jaiswal possesses 11 years plus experience in HR domain, with rich exposure in all facets of Human Capital Management. Sanjay brings with him wealth of experience in HR within the Financials Services sector as well.

Post his career break in Telecom Industry as an MT with Spice Telecom, Sanjay has entirely been associated with the BFSI. He has worked with leading financial institutions like Bajaj Capital, IndusInd Bank and Landmark Insurance Brokers. As the HR Head, he is committed to creating one of the best human capital pool companies and also to make AAHF a Great Place To Work.

Parul Phadke - Head Marketing & Corporate Communication

Parul Phadke is a dual post graduate in PR & Marketing. An MBA from IMT Ghaziabad, she has more than 10 years of experience in Brand Management, Corporate Communication, Creative Strategizing and Media Planning. With significant experience across spectrum of big brands like Essel Group, Surya Roshni Ltd and Arise India Ltd, she will be instrumental in creating a strong brand identity for AAHF.

Ritika Sati - Company Secretary & Legal Counsel

Ritika Sati is an Affiliate of ICSI and a Law alumna with over 9 years of experience in Insurance and Banking & Finance Sector. She has played vital roles at Berkshire India Limited a Berkshire Hathaway Inc.’s venture and Delhi Stock Exchange Limited.

She carries with herself a profound understanding of all Regulatory, Control & Legal frameworks under various laws like Corporate Laws, IPR, IRDA, NHB, SEBI.

At AAHF she acts as an advisory to the Board of Directors and Senior Management on good governance practices and compliance of regulations and guidelines under applicable statutes.

Vikas Rana - AVP- Operations

Vikas Rana is a Finance professional with over 13 years of experience in NBFC’s with specialization in various verticals of Operations and Loan Life Cycle Management. In his previous assignments he played various important roles at CitiFinancial Consumer Finance India Ltd and Intec Capital Limited.

At AAHF he is responsible for managing the Operations vertical.

Anshuman Singh - Head- Product & Policy

Anshuman Singh is a PGDBM from Birla Institute Of Management Technology topped by an advanced PGMP from Indian Institute of Management - Calcutta, possess over 14 years of multidisciplinary experience in Sales Development, Policy Formulation, Product Management, Analytics & Risk Management & Strategic Planning revolving around retail assets & branch banking.

With cross functional experience in Retail Assets, Branch Banking, International Trade & SME Finance in different functional roles he has in-depth comprehension of the target segment & detailed aptitude of Retail Asset Life Cycle including Credit Under-Writing & Process Management.

Anshuman contributes in building a healthy portfolio at AAHF inside the satisfactory hazard along with spearheading the new projects & initiatives. Prior to AAHF, he has worked with renowned brands like Intec Capital Ltd, HSBC Ltd and ICICI Bank Ltd.

 

Alok Srivastav - Zonal Business Manager (Delhi | NCR)

Alok Srivastav Alok Srivastav is a Post Graduate in Marketing with proficiency in retail Lending and Distribution. With an experience of over 10 years, he is a specialist in Business Development, Team Management, Project Management, Strategy Alliances and Formulation. In the course of recent years, he has worked on a spectrum of secured products (Mortgage and Vehicle Loans). Prior to his association with AAHF, he has been associated with GE Capital, ICICI Bank, Dhanlaxmi Bank, Indiabulls and Intec Capital.

Jinu Mathew- Zonal Business Manager (Rajasthan | Haryana)

Jinu Mathew is a self-motivated and result-oriented professional with over 17 years of work experience, with various banks and NBFC like HDFC Bank Ltd., Development Credit Bank, Reliance Consumer Finance, India Infoline Ltd. & Indusind Bank Ltd. With extensive exposure in selling financial products like Home Loan, Loan Against Property, Gold Loan, Business Loan and Life Insurance products, Jinu is committed towards scaling up of business for AAHF.

Rajesh Asnani- Zonal Business Manager (Maharashtra | Gujarat)

Rajesh Asnani Rajesh Asnani has over 18 years of experience, in setting and scaling up Retail Lending and Finance Businesses. He has contributed in building up extensive operations, crosswise over different retail resources like Loan Against Property, Business Loans and Machine Loans, along with P&L and business accountability for the entire Western region, in his initial years. He has been in various strategic roles at Reliance Capital, Intec Capital & Indusind bank, in the past. At AAHF he is responsible for setting and scaling up the business operations across Maharashtra & Gujarat, serving as the major hubs in affordable segment.

Anoop Anand Sharma- Zonal Credit Manager (Rajasthan)

Anoop Anandis a Post Graduate in Management with dual specialization in Finance & IT from R.A. Podar Institute of Management Jaipur, University of Rajasthan. He has additionally sought after DISM/CIC and CAM accreditation programs. Anoop carries an experience of over 12 years in Credit Underwriting of diversified products running from CD/TW, PL, BL, AL/URL/UCR/Mortgages and Home Loans. In the past, he has worked with MNC's and Banks including Citi Financial Consumer Finance Ltd, Fullerton India Credit Co. Ltd, HDFC Bank Ltd, AU Financiers India Ltd, managing various financial products.

Vikram Nanaiah- Zonal Credit Manager (Uttar Pradesh | Haryana | Delhi NCR)

Vikram Nanaiah is an MBA with major in Finance. He is a seasoned credit professional with over 9 years of experience in credit and branch banking, with interests skewed to Mortgage Finance. He has worked with Lakshmi Vilas Bank for six years, which he joined as a Probationary Officer and successfully rose to the level of Branch Manager. Having exposure to Northern and Western India markets, specifically Delhi NCR, Haryana, and Mumbai, Vikram aims at adding value to AAHF, with his rich experience in Credit Analytics & Risk Management.