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.

Anil Noronha

EVP & Head – Human Resources

Arvind Sampath

EVP & Head – Treasury

Ekhlaque Bari

EVP & Chief Technology Officer

Kaushik Ray

GM & Head-Operations & Customer Service

Nishant Jasapara

GM & Head-Digital Business

Pankaj Malik

EVP & Chief Financial Officer

Pavan Pal Kaushal

EVP & Chief Risk Officer

Rakesh Makkar

CEO - Grihashakti, Fullerton India Home Finance Company Limited

Sanjeet Dawar

EVP & Head-Urban Business

Vishal Wadhwa

EVP & Head - Rural Business

Anil is the Executive Vice President and Head – Human Resources at Fullerton India and comes in with an experience of over 35 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.

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.

Ekhlaque is the Executive Vice President and Chief Technology Officer for Fullerton India. He comes with over 22 years of experience. Prior to joining Fullerton India, Ekhlaque worked in India and overseas and was associated with leading brands like GE, where he held various roles, with HT Media as group CIO and more recently with Max Life Insurance as EVP and Head IT. He is a certified Master Black Belt, an NLP practitioner and a life and executive coach. Ekhlaque is a B.Tech (Manufacturing Science) from IIT Kharagpur and an MBA (Information Management) from SP Jain Mumbai.

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.

Nishant is the Head of Digital Business for Fullerton India. He comes with over 16 years of experience in the Retail and Digital lending space. He has expertise in business development, sales, credit underwriting & product development with focus on delivering long-term improvements in business growth, profitability and revenue generation. Prior to joining Fullerton India, he was associated with IIFL as Digital Business Head where he started the digital finance business as a start-up and successfully expanded the company's digital footprint from origination to fulfillment. In his earlier stints, he had been associated with leading brands like Tata Capital Ltd. and ICICI Bank. Nishant is a qualified CA & CS.

Pankaj has an experience of over 20 years in various capacities across finance and allied functions. He is the Chief Financial Officer & 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.

Pavan Pal Kaushal is Executive Vice President and Chief Risk Officer for Fullerton India Credit Co. Ltd. At Fullerton India, he is responsible for Policy, Credit Underwriting, Fraud Control, Collections, Operational Risk, Information security, Collateral management and Legal Functions, along with supervising risk functions for Fullerton India Home Finance Company. He is a career banker with over three decades of experience in the financial services sector across several leading global banks and consulting. Prior to joining Fullerton India, Pavan was the Chief Risk Officer at IDFC Bank, and part of the Leadership team. He was variously a Partner with Ernst & Young, Chief Risk Officer at ANZ Bank India and held several senior leadership roles both domestic and international at Citibank. Pavan is a Chartered Accountant and an MBA (Finance).

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.

Sanjeet is the Executive Vice President and Head of Urban Business for Fullerton India. He comes with over 25 years of experience in the Financial Services industry. Prior to joining Fullerton India, he was associated with TATA Capital Ltd. where he held several positions including Head for Unsecured Loans and Alternate Channel, COO for Retail Equity & Distribution and Product Head for Retail products across Tata Capital. In his earlier stints, he had been associated with leading brands like HDFC Bank, Daewoo Motors, Countrywide, Anagram Finance, Gujarat Lease Financing Ltd. Sanjeet is a B.Sc (Physics Honours) from Maharaja Sayajirao University, Baroda and an MBA (Marketing) from DBIM, South Gujarat University.

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.

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