Empowering people with
the right guidance

Senior Leadership

Our Leadership Team comprises of reputed members of the financial industry, who promote high integrity in business practices. Under their leadership, Fullerton India has consistently focused on setting benchmarks in all aspect of business.

We strongly believe in the concept of leadership connect. In our constant endeavor to stay connected with all the employees, we follow an open door policy to foster a culture of innovation within the organization. Various communication channels are made available to people for ideas and suggestions to continually better our policies and processes.

Anand Natarajan

Head of Strategy & Business Execution

Rakesh Makkar

Head of Business, Marketing & CSR

Ravindra Rao

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

Ajay Pareek

Head of Sales & Product, Urban Business

Deepak Patkar

Chief Risk Officer

Pankaj Malik

Chief Financial Officer

Arvind Sampath

Head of Treasury

Bikramjit Ganguly

Head of Analytics & Digital Initiatives

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 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 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.

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.

Dr. Shuster, is a professional with decades of experience in the banking sector. He is currently Chairman of the Audit Committee at Bank Danamon Indonesia. He served at Asian Development Bank, ING Bank, National Bank of Canada, Nippon Credit Bank in various capacities. After working as the President and CEO of P. T. Bank PDFCI, he served Bank Danamon Indonesia in various capacities. He became its president and CEO and later its Independent Commissioner. He has also served many other entities in Directorial and advisory capacities. He holds Ph.D. in International Economics and Law from University of Oxford. He also holds Master of Law from London School of Economics and Bachelor of Business Administration from Ivey Business School.

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 a Masters in Management from Jamnalal Bajaj Institute, Mumbai.

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 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.

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