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Building a better
Well qualified leaders to provide efficient financial services.
Indiabulls Housing Finance has benefitted from a superior leadership team - from our strong, active and independent board members to our experienced and globally-distributed senior management team. Meet the members of the team and find out more:
Founder & Chairman
Sameer Gehlaut is the Founder and Executive Chairman of the Indiabulls Group. Having founded the country’s first online trading platform in 1999, he laid the foundation for one of the largest financial power houses, straddling the entire financial services space, viz. mortgage lending, consumer finance, wealth management, real estate development and infrastructure and pharmaceuticals.
Under his steady leadership, the Group has grown from strength to strength. The Group’s flagship company, Indiabulls Housing Finance, is a Nifty 50 company and has been rated AAA by S&P and Moody’s. His vision has helped the Group foray into many new sectors, like the consumer finance space with Indiabulls Dhani - a digitally pioneering personal loan offering.
Prior to founding the Indiabulls Group, Mr. Gehlaut worked briefly with Halliburton, one of the world’s largest oil field services companies.
Mr. Gehlaut holds a B. Tech degree in Mechanical Engineering from Indian Institute of Technology, Delhi.
Vice-Chairman, Managing Director
Mr. Gagan Banga is the Vice Chairman and Managing Director of Indiabulls Housing Finance Ltd (IBHFL) since July 2014. He was the Chief Executive Officer of Indiabulls Financial Services Ltd since December 2004 and continued as the CEO of Indiabulls Housing Finance Ltd after the reverse merger of the former into IBHFL which was completed in early 2013.
Mr. Banga joined Indiabulls as the Marketing Head in 2000. In a brief span of just four years, he was promoted to the position of the CEO. He has been a key driver of the success story of Indiabulls, transforming a start-up into India's second largest housing finance company. Mr. Banga believes meticulous planning is the key to success. His focus on customer service, financial discipline and innovative products have been a keystone for Indiabulls rapid rise and paved the path for sustainable growth over the next few decades.
He holds an MBA in Marketing from Goa Institute of Management.
Ashwini Kumar Hooda
Deputy Managing Director
Mr. Ashwini Kumar Hooda is the Deputy Managing Director at Indiabulls Housing Finance Ltd. since 2010. He has played a pivotal role in transforming IBHFL into a leading housing finance company. Mr. Hooda has more than 18 years of experience in Retail Mortgage Finance and Corporate Lending. Prior to joining Indiabulls, he was with HDFC Ltd. for over 10 years.
Mr. Hooda is a Mechanical Engineer from Indian Institute of Technology, Roorkee and holds a Master degree in Management Studies from Jamnalal Bajaj Institute of Management Studies, Mumbai. He has also completed his advanced Studies in International Housing Finance from Wharton School, University of Pennsylvania, U.S.A. Furthermore, he has over 11 years of academic experience and was a Visiting Professor of Finance at Jamnalal Bajaj Institute of Management Studies, Mumbai.
Mr. Ajit Mittal is the Group Executive Director of Indiabulls since 2007. He has been instrumental in expanding Indiabulls' international footprint by setting up group's real estate and home loan businesses in the GCC & UK.
Mr. Mittal has been at the forefront of macroeconomic and financial sector issues for more than 25 years, both as a regulator and policy maker and also as a business executive in the private sector. He worked at the Reserve Bank of India (RBI) for more than 20 years and was also associated with Qatar Central Bank as Financial Sector Advisor during the 2006-07.
Mr. Mittal holds a Master degree in Economics and an MBA with Academic Excellence from University of Illinois, U.S.A.
Chief Operating Officer
Mr. Sachin Chaudhary is the Executive Director & Chief Operating Officer of Indiabulls Housing Finance Ltd (IBHFL). Having joined in 2006, he has been a key to IBHFL’s growth and expansion.
Mr. Chaudhary has more than 19 years of experience working with leading banks, NBFCs and housing finance companies. Prior to joining Indiabulls Housing Finance, he worked with GE Money and ICICI Bank.
He is an alumnus of the Centre for Management Development and holds an Executive MBA from Columbia Business School, USA.
Chief Financial OfficerMukesh Garg, an industry veteran with 28 years of experience is the Chief Financial Officer at Indiabulls Housing Finance Limited since 2008.
He is responsible for the overall financial and business planning, performance monitoring, financial forecasting and analysis, taxation and cash flow management for the company. He is also integral to activities such as process improvement and formulation of standard operating procedures, result declaration and auditing of balance sheet, Governance and Control issues ensuring statutory compliance.
Prior to Indiabulls Housing Finance he was the Chief Financial Officer for Bharti Telesoft Ltd., a Bharti Group company, where he was notably instrumental in negotiating international agreements on business issues with clients like Nokia, Ericson, France Telecom and MTS Russia. He has also successfully secured a Venture Capital Funding of $13.5 Mn while at Bharti. He holds a Bachelor of Commerce degree from Delhi University. He is a Chartered Accountant (All India Rank 7) and also a Company Secretary.
Head, Analytics & Investor RelationsRamnath Shenoy is the Head of Analytics and Investor Relations at Indiabulls Housing Finance Limited bringing more than 17 years of experience to his current role. He has been heading the Analytics unit since joining Indiabulls Housing Finance in 2007 with valuable knowhow of the retail lending business having spent 13 years in the space.
He has earlier worked with ICICI Bank, heading the retail loan analytics team and the retail products cross-sell team in his time there. He has also worked with Standard Chartered Bank in the retail products division.
Mr. Shenoy is a Fellow of the Institute of Actuaries (FIA) and a Post Graduate in Business Management from XLRI, Jamshedpur.
Head, Liabilities & TreasuryAshwin Mallick heads the Liabilities and Treasury function at Indiabulls Housing Finance. He joined Indiabulls Housing Finance in 2012, and has a rich experience of 17 years across the industry.
Before Indiabulls, he was the Retail Bank Head at Citibank, Bangladesh and in a prior stint with Citibank, India led the Branch Banking and Wealth Management Business for a third of Citbank’s presence in India.
He has also worked with Coca-Cola, HSBC Bank and Aviva Life. Ashwin is a proud alumnus of the Class of 1999 of Faculty of Management Studies, Delhi.
Head, Commercial CreditRajiv Gandhi is the head of the Commercial Credit team at Indiabulls Housing Finance Limited (IBHFL). He brings with him 23 years of work experience accumulated across the industry. He is a founder member of the Commercial Credit team. Having spent more than 10 years with the company he has overseen over Rs. 45,000 Cr. disbursements till date.
Before IBHFL, he has had successful stints with Nicholas Piramal India Ltd., Birla Home Finance Ltd. and Birla Sunlife Insurance Ltd.
Mr. Rajiv Gandhi has a Masters of Business Administration from the Faculty of Management Studies, ML Sukhadia University, Udaipur.
M. S. Walia
National Sales HeadM. S. Walia has over 20 years of experience, he brings with him a profound understanding & expertise of Retail Banking - SME business operations.
He joined the Indiabulls group in 2007 as the Zonal Head, SME Loans and has grown steadily to the position of National Sales Head. Having spent 10 years with the company, he is the perfect guide to his team of more than 2800 employees nationally.
Before Indiabulls, he spent 8 great years with Standard Chartered Bank where he worked in both North and South India, developing region specific business strategies for various categories including Auto and SME. He holds a Masters of Business Administration in Finance from the University of Pune.
National Sales Head (LAP)Ripudaman Bandral, an industry veteran with more than 20 years of experience, is the National Sales Head for Loans against Property at Indiabulls Housing Finance. Having joined as the Zonal Business Head (West), he has been with the company for more than 6 years.
Before Indiabulls Housing Finance, he was with ICICI Bank where in 9 years he grew through the ranks to Head of Business Development and Process Re-engineering. He also looked after portfolios such as mortgage finance, loans against property and mortgages with corporate and realty funding portfolios in his time with ICICI Bank. Prior to ICICI Bank, he has had stints with HDFC Ltd., Transamerica Apple Distribution Finance Ltd., and the Trident Group.
Mr. Ripudaman Bandral holds a Masters of Finance & Control from Punjabi University, Patiala and is a Bachelor of Commerce from Jammu University.
Head Credit (Retail)Somil Rastogi heads Credit for Retail Loans at Indiabulls Housing Finance Limited (IBHFL). He has been with IBHFL for more than nine years and has grown steadily from heading the Zonal Credit team to the position of National Credit Head.
Starting his career with Birla Global Finance Limited, he was responsible for the consumer finance business. He then joined the RBG Group where he worked closely on the disinvestment of Hindustan Zinc among many others. His last stint was at ICICI Bank as the Regional Business Head.
Mr. Rastogi is an alumnus of IISE Lucknow where he completed his Masters in Business Administration in Finance and also holds a Masters degree in Commerce from Lucknow University.
Chief Risk Officer(CRO)"Mr. Naveen Uppal, working as President of the Company, has over 23 years of experience in finance industry handling various assignments in operations, audit and credit risk. He is with IBHFL for 12 years and currently heading the retail mortgage risk team, compliance and audits. Prior to the current role, within IBHFL he was handling risk and collection for SME loans and CV loans. Also, he was heading operations in IBHFL for 9 years, which involved Implementing & maintaining an effective system of controls, conducting internal process audits & process reviews and spearheads process improvement initiatives and mitigation of operational risk of large Company like us. . Before joining IBHFL, he headed Zonal operations team in ICICI Bank.
Mr. Naveen Uppal has done Cost Accountant from I.C.W.A. and holds Post Graduate Diploma from the UCLA Anderson School of Management, USA"
Shailesh Kumar Yadav
Collections Head, MortgagesShailesh Kumar Yadav brings a rich experience of 19 years to his role as Mortgage Collections Head at Indiabulls Housing Finance Limited (IBHFL). Having joined as the Head of Collections in 2010, he has overseen an increase in collection efficiency by greatly minimizing delinquent accounts, non-performing assets and streamlining aspects of customer services.
He has worked across diverse fields such as channel management, direct marketing, retail finance across Banking, Non-Banking Financial Services and Housing Finance companies. Having started his career with Lloyds Finance Ltd., he has also worked with Standard Chartered Finance Ltd. and ICICI Bank before joining IBHFL.
He holds a Masters degree in Technology from Kurukshetra University and a Masters in Business Administration from IGNOU.
Group Head, Chief Information OfficerNafees Ahmed, an industry veteran with more than 20 years of experience, is the Chief Information Officer of the Indiabulls Group, managing the entire information technology portfolio. A passionate proponent of the Digital India movement, he has laid great emphasis on developing and implementing innovative ideas to improve user efficiencies through various automations and major digital initiatives at Indiabulls.
His influence has been key to providing greater customer experience and optimizing internal efficiencies with the use of technology, thus transforming Indiabulls Housing Finance. He began his career with Intersolutions Pvt. Ltd. where he worked for over 6 years on various software development projects followed by his time at Ebookers as a project manager overseeing the development of new software for the hospitality industry.
Mr. Ahmed is an alumnus of IIT Delhi.
President, LegalVineet Jaiswal brings with him a rich experience of 22 years to the position of President – Legal at Indiabulls Housing Finance. He has been at the forefront of all big ticket deals for the company and for the last 9 years been integral in the steady growth that has characterized it.
His time at Indiabulls Housing Finance has been highlighted by steady growth and recognition. He has previously worked with the reputed law firm Luthra & Luthra and the leading credit agency ICRA Limited.
He has completed his Bachelor of Laws from Calcutta University and is an Associate Member of the Institute of Company Secretaries of India.
Head – Human ResourcesNiharika Bhardwaj is the Head of Human Resources at Indiabulls Housing Finance. She brings with her a keen focus on business enablement within people related interventions, thus driving productivity and efficiency to achieve both employee and customer delight.
With more than 15 years of experience in industries such as Mortgage, Information Technology and Insurance, she has a rich experience in all areas of Human Resources. Prior to joining Indiabulls Housing Finance, she was the Human Resource Director at Polaris where she was instrumental in the change management during the Polaris Virtusa merger. She has also worked with Bharti Axa.
She has completed her MBA in Human Resources from Guru Jambheshwar University, Hisar.