Board of Directors

Gan Chee Yen


Shantanu Mitra
CEO & Managing Director


Rajeev Kakar
Non Executive Director


Mr. Kenneth Ho Tat Meng
Non Executive Director


Sudha Pillai
Independent Director


Renu Challu
Independent Director


Milan Shuster
Independent Director


Mr. Premod Thomas
Independent Director


Leadership Team

Shantanu Mitra

Chief Executive Officer & Managing Director

Shantanu is a Chartered Accountant from England and Wales and joined Fullerton Financial Holdings, Singapore in 2010 as the Head of Consumer Risk for the Group after nearly three decades in Consumer Banking and Risk with Citibank and Standard Chartered Bank. Shantanu has worked across various Asian markets, including Singapore, Thailand and India, and was the Regional Credit Head for India, Middle East, South Asia and Africa. Shantanu took over as CEO and MD of Fullerton India in Aug 2011.

Anand Natarajan

Head of Strategy and Business Execution

Anand Natarajan is the Head of Strategy and Business Execution for Fullerton India. In this role, he is responsible for the overall corporate strategy of the company and its subsidiaries covering Risk, Operations, Technology, Analytics and Digital Initiatives. Anand is a Chartered Accountant and Cost Accountant, with an MBA from the Henley Business School. He joined Fullerton India in Jan 2016 from ANZ Bank, Indonesia, where he served as Chief Operating Officer, responsible for retail, institutional, branch and credit operations, technology and infrastructure, contact centre and service, procurement and property management and enterprise-wide operational risk management. Previously, Anand was the Chief Operating Officer for Fullerton India with responsibilities of Treasury, Finance and Operations. Anand has held various leadership positions in his 23 years with Standard Chartered Bank, where he served as Head of Global Markets Operations India, Head Securities Services South Asia, Chief Operating Officer Consumer Banking, Head Country /BPO Operations and Regional Credit Officer Middle East, Pakistan and Africa and as the Chief Risk Officer for Consumer Banking, India and South Asia.

Rakesh Makkar

Head of Business & Marketing

Rakesh spearheads Fullerton India's Urban and Rural business, in addition to heading the Marketing & CSR functions. He has over two decades of valuable experience including new business and brand launches while developing dynamic sales teams, product and distribution networks. Prior to joining Fullerton India, Rakesh was the Chief Distribution Officer and Management Committee member at DHFL. His earlier stints include Future Money as Chief Executive Officer, Citigroup and as a consultant for a Vietnamese Bank on consumer finance. Rakesh is a qualified national rank holder Chartered Accountant and an MBA.

Ravindra Rao

Chief Executive Officer - Grihashakti (Fullerton India Home Finance Company Limited)

Ravindra comes with over 18 years of work experience in Risk Management and Business function. He has been with Fullerton India since September 2011 and during his stint, headed Credit Policy & Underwriting for Commercial & Rural Business, Collections, Fraud Risk, Operational Risk, Legal and Compliance. He also led the Mortgage and SME business vertical before being appointed as Chief Operating Officer for Fullerton India. Ravindra is now Chief Executive Officer for Fullerton India Home Finance Company Limited. Prior to joining Fullerton India, Ravindra was heading Collections & Fraud Control for South Asia in Standard Chartered Bank and was also the Collections Head for HDFC Bank Ltd. He has held regional positions at ABN Amro Bank and Bank of America at the beginning of his career.

Swaminathan Subramanian

Head of Human Capital

Swaminathan is an engineer from Jadavpur University, Kolkata and an MBA from XLRI. He joined Fullerton India in May 2013 to lead the Human Capital function. Swami has over 18 years of HR experience across Asia, Africa & Middle East markets. He has held various leadership positions including Head of HR for Retail Banking, Barclays- Africa and Head of Compensation & Benefits, Standard Chartered Bank, South Asia and more recently as HR lead for Corporate & Investment Banking Operations & Technology with JP Morgan Chase, India.

Ajay Pareek

Head of Sales & Product, Urban Business

Ajay is a Chartered Accountant with over 18 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 - Sales and Product for the Urban Business and oversees distribution of the company's key products of Personal Loans, Mortgages, SME and Commercial vehicle.

Deepak Patkar

Head of Internal Audit

Deepak is an Electrical Engineer with a Masters in Management from Jamnalal Bajaj Institute, Mumbai. In his work experience of over 16 years he has handled diverse roles including Quality Assurance, Sales and Distribution, Debt Collections, Operational Risk and Audit. After successful stints at Cable Corporation, HCL Infosystems and Citibank he joined Fullerton India in 2007 as Head – Retail Collections. Deepak now manages Internal Audit at Fullerton India reporting functionally into the Audit Committee of the Board.

Pankaj Malik

Chief Financial Officer

Pankaj has an experience of over 18 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 Sampath

Head of Treasury

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 Ganguly

Head of Analytics & Digital Initiatives

Bikramjit is a Masters in Statistics from the Indian Statistical Institute and has an experience of over 13 years in various capacities across analytics and allied functions. He currently Heads the Digital Initiatives and Analytics & Information Management for Fullerton India Credit Company Limited. At Fullerton, he is responsible for leading the company’s digital strategy and execution as well as the risk and business analytics functions. Prior to joining Fullerton in Mar 2012, he was associated with Standard Chartered Bank, heading the regional credit risk analytics unit of South Asia. In his earlier stints, he had 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.