Introducing the Dream Team!
The minds behind Fullerton India.

Rajashree Nambiar

Managing Director & Chief Executive Officer

Rajashree is the Managing Director and Chief Executive Officer at Fullerton India Credit Company Limited. In this role, she is responsible for the overall corporate strategy of the company and its subsidiaries - covering Risk, Operations, Technology, Analytics and Digital Initiatives. Prior to joining Fullerton India, Rajashree served as the CEO and Executive Director at India Infoline Finance Ltd, the NBFC arm of the IIFL group. At IIFL Finance, Rajashree successfully developed and executed a long term business strategy focused on diversification of the retail segment into retail housing, commercial vehicles, Gold loans and SME loans; since inception, she has created a robust organisational structure with centres of excellence for core functions, and a strong future leadership pipeline. During her stint in the company, IIFL Finance has shown strong year on year profitability with doubling of the book in a short span of 3 years. Prior to joining IIFL, Rajashree spent 22 years with Standard Chartered Bank within the retail segment where she held various management roles such as Head of Branch Banking, Country Head of Distribution and General Manager - Distribution & Alternate Channels, India & South Asia. Her last position at the Bank was as Head of Retail Products for India & South Asia. Rajashree Nambiar is an MBA from Jamnalal Bajaj Institute of Management Studies.

Anil Noronha

Executive Vice President & Head – Human Capital

Ajay Pareek

Head of Urban Business

Vishal Wadhwa

Head of Rural Business

Deepak Patkar

Chief Risk Officer

Pankaj Malik

Chief Financial Officer

Arvind Sampath

Head of Treasury

Bikramjit Ganguly

Chief Information & Digital Officer

Kaushik Ray

General Manager and Head – Operations & Customer Service

Rakesh Makkar

Chief Executive Officer, Grihashakti – Fullerton India Home Finance Company Limited

Anil is the Executive Vice President and Head – Human Capital at Fullerton India and comes in with an experience of over 25 years. Prior to joining Fullerton India, he was heading the Human Resources function across companies such as, Novell Inc. USA, Ashok Piramal Group, Rajesh Wadhawan Group (DHFL Group), Bombay Dyeing and most recently Omkar Realtors & Developers. Anil has completed his MBA (HR) from NMIMS and also holds a Law Degree from Ruparel’s New Law College and is a gold medalist in Labour Law from Bharatiya Vidya Bhavan, Mumbai.

Ajay is a Chartered Accountant with over 21 years experience in audit & financial services. Starting his career with A.F. Fergusons & Co, he moved to CitiFinancial as part of the start-up team to launch their retail finance business in India. At CitiFinancial he handled the risk and operations functions for 2 years and later took over as a Regional Business Head. After 5 years at CitiFinancial, he joined Fullerton India in 2005 as part of the start-up team. Ajay is now Head of Urban Business and oversees distribution of the company's key products of Personal Loans, Mortgages, SME and Commercial vehicle.

Vishal is the Head of Rural Business at Fullerton India. He is a Chartered Accountant from The Institute of Chartered Accountants of India with over 20 years of varied experience in Banking and Financial Services across Credit Cards, Consumer Banking Products, Collections and Retail Banking Operations. Vishal joined Fullerton India in March 2012 from Tata Consultancy Services, where he headed two key functions during his tenure – as Operations Head, facilitating client engagement and operations delivery for Commercial Bank of Qatar and as Consumer Operations Head for India Retail. Previously, Vishal worked with Citibank N.A handling Distributions Operations, Risk Management and Credit Operations across retail products and Branch Banking. Prior to Citibank N.A, Vishal worked with ABN AMRO and Citigroup as East Collections Head - Cards.

Deepak is the Chief Risk Officer and in his role he leads the overall Enterprise Risk Management across all business verticals of Fullerton India, which includes Credit Risk, Collections, Operational Risk, Fraud Control, Legal and Information Security functions. Prior to his appointment as the CRO, Deepak led the Internal Audit function at Fullerton India. Deepak joined Fullerton India in 2007 as Head – Retail Collections after successful stints at Cable Corporation, HCL Infosystems and Citibank. In his work experience of over 20 years he has handled diverse roles including Quality Assurance, Sales and Distribution, Debt Collections, Operational Risk and Audit. On behalf of Fullerton Financial Holdings, Singapore, Deepak has undertaken risk advisory and transformation assignments in Mekong Development Bank, Vietnam and Fullerton Finance, Myanmar. He is an Electrical Engineer with an MBA from Jamnalal Bajaj Institute, Mumbai.

Pankaj has an experience of over 20 years in various capacities across finance and allied functions. He is the Chief Financial Officer, Company Secretary & Chief Compliance Officer for Fullerton India Credit Company Limited. At Fullerton, he is responsible for corporate planning, accounting, finance, taxation, compliance and corporate governance functions. Prior to joining Fullerton in Sep 2007, Pankaj was associated with COLT Telecom (“COLT”), an affiliate of Fidelity international, as the Financial Controller-cum-Company Secretary. In his earlier stints, he had been associated with GE Commercial Financial and Motherson Sumi Systems Limited in various capacities. Pankaj is a Chartered Accountant, Company Secretary and Cost Accountant from India and Certified Public Accountant from the State of Colorado, the USA.

Arvind is responsible for all liabilities strategy, surplus management and investor relationships. Arvind has over two decades of experience in financial markets, across a Primary Dealer, a Foreign Bank and a Non-Banking Financial Company. Prior to joining Fullerton, Arvind was associated with ICICI Securities, where he was instrumental in setting up the ‘interest rate derivatives’ desk. In his earlier stints, he had been associated with Standard Chartered Bank in various capacities. He is also a frequent media speaker and presenter of views on financial markets.

Bikramjit has an overall experience of 15+ years in various capacities. He is currently the Chief Information and Digital officer for Fullerton India Credit Company Limited. At Fullerton, he is responsible for leading the company’s digital strategy and execution as well as the information technology and analytics functions. Prior to joining Fullerton in Mar 2012, Bikramjit was associated with Standard Chartered Bank, heading the regional credit risk analytics unit of South Asia. He has also been associated with Fair Isaac (“FICO”) in various capacities and has extensive experience of driving analytics driven strategies for major financial organizations across Asia, Middle East, Latin America, Europe and Africa. Bikramjit is a Masters in Statistics from the Indian Statistical Institute and a Columbia Business School alumni with certification in Digital Business Leadership.

Kaushik is the Head of Operations and Customer Service for Fullerton India. He joins from Creditexchange, a Bengaluru-based Fintech start-up, where he served as the Chief Operating Officer, responsible for setting up the Operations, Technology, Collections, Finance and Accounts processes. Previously, Kaushik was heading the Operations team at Fullerton India for over 6 years from 2005 to 2012. Earlier, he was part of the management team of DLL Financial Services, a fully owned subsidiary of the Rabobank group, as head of the Operations, Sales Support & Technology units. His other stints during his career of close to 25 years include, leading Trade transactions processing and Contact Center operations in Citigroup, International Trade in Reliance Industries and Corporate Loans sourcing for Summit Usha Martin Finance and Nicco Uco Financial Services. Kaushik holds a PGDM from Xavier Institute of Management, Bhubaneswar.

Rakesh comes with over two decades of expertise in establishing new and successful businesses; managing large and multi-pronged distribution networks; and developing unique and customer-centric products - all within a robust Risk Management framework. Prior to assuming the role of CEO at Grihashakti, Rakesh spearheaded Business, Marketing & CSR functions at Fullerton India. Before joining Fullerton India, Rakesh held the position of President and Chief Distribution Officer at DHFL. It has been Rakesh’s forte to set up new finance companies and scale up business volumes. Prior to his stint with DHFL, Rakesh has been a part of senior leadership at various organisations including Capital First, Citi Financial Consumer Finance India Ltd and Bank of America. Not only is Rakesh a national rank holder at the Institute of Chartered Accountants of India but also a Certified International trainer within Citigroup. He also holds an MBA from the Institute of Management Technology, Ghaziabad and Bachelors from Delhi University.

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