Leadership Team

Atul Jain

Atul Jain was appointed the Managing Director of Bajaj Housing Finance in 2022 after serving as the CEO of the Company for four years.

Over the last decade, he led key portfolios in Bajaj Finance Limited before taking over the reins of its mortgages arm, Bajaj Housing Finance Limited. During his time at BFL, Atul held numerous Senior Management roles, including those of the Chief Collections Officer and Enterprise Risk Officer. He has always prioritised providing a seamless experience to the customer through cutting-edge analytics. Atul was also instrumental in setting up the Rural Lending business, making it a historical benchmark in the Company.

Today, as the MD of BHFL, he brings forth the same calibre to the Company’s work. Atul is a firm believer that execution rigour supersedes strategy by distance, which is evident in the path he has charted for BHFL. He has led the organisation to deliver multi-fold asset growth over the past four years, coupled with a risk-averse approach, seamlessly navigating major industry crises.

Atul has an MBA in Finance and a rich work history spanning over three decades.

Ajita Kakade

Ajita has been an integral part of the Bajaj group since 2008 and played a key role in various operations over the last 15 years. Today, she is the Executive Vice President of Credit, Operations, and Human Resources at BHFL. She is the torchbearer of customer-centricity and employee-first culture in the company.

Ajita has a rich 27 years of work experience, spanning across industries, such as Telecom, DTH, BPO, and Financial Institutions, where she led verticals including Operations, Customer Experience, HR Business Partner and Operations, Credit Underwriting and Collateral.

With a consistent track record in delivering efficient and effective operations at BHFL, her role in setting up and leading new functions, driving large-scale change management with a very high focus on execution and cost optimisation, is invaluable. Furthermore, she was instrumental in migrating traditional loan operations to what is now an end-to-end digital experience for borrowers – changing the standard across industries.

Ajita holds a development certification from Wharton Executive Education, IMD Ghaziabad, and IIM-K, in addition to a Master's in Mass Communications from the Symbiosis Institute, Pune. She is a self-driven, highly motivated, and performance-oriented professional with a proven track record in strategic execution, cost optimization, project management, digitization, and solutioning.

Pawan Bhansali

Pawan joined Bajaj Housing Finance in the year 2024 as the Senior Executive Vice President – Near Prime and Affordable Business. He also oversees the Rural and Emerging Business units.

With over 19 years in the BFSI sector, Pawan has demonstrated exceptional leadership in various capacities. In his extensive journey, he has worked across several verticals, including Sales, Credit, Collections, Product Management, and Treasury, showcasing his versatile skill set and deep industry knowledge. At BHFL, he is at the helm of the strategic business unit that encompasses Near Prime and Affordable Housing, overseeing strategy, planning, and execution.

Pawan has previously worked with ICICI Home Finance Company Limited, where he was the Chief Distribution Officer. He is a Chartered Accountant and a Company Secretary by qualification.

Amit Sinha

Having spent 14+ years with the Bajaj Group, Amit is a true Bajaj veteran. Before moving to Bajaj Housing Finance in 2023, Amit oversaw the Personal Loan Cross-Sell Business in Bajaj Finance Limited as Chief Business Officer. He also held notable roles in other businesses, such as Sales, Product Management, and the Call Centre division.

Amit has over 19+ years of experience in the NBFC sector and worked with GE Money, before joining the Bajaj Group. He holds a B. Com Degree from Delhi University and went on to complete a Post Graduate Program in Management from IMT Ghaziabad.

C.A. Vipin Arora

Vipin Arora was appointed as the Executive Vice President for Commercial Real Estate (CRE) and Loan Against Property (LAP) in 2023. Earlier he was the Group Business Head for the CRE and Affordable Housing verticals at Bajaj Housing Finance. In August 2022, he also took over the Retail Loan Against Property vertical.

Vipin has been a part of the Bajaj Finance Group since 2012. He joined the company as a National Sales Head, investing time in Business Development in Corporate Lease Rental Discounting Loans. He also spearheaded several associations with leading IPCs and real estate firms.

Vipin has worked with several noted organisations such as ICICI Bank, Deutsche Post Bank HFC, Reliance Capital, and Dhanlaxmi Bank, apart from the Bajaj Group Companies. A seasoned mortgage professional, he has over 19 years of experience in Sales and Underwriting.

C.A. Niraj Adiani

Before moving to Bajaj Housing Finance in 2018, he oversaw various undertakings in Operations, Service, and Underwriting in Bajaj Finance Limited.

Niraj is a Chartered Accountant with over 16 years of experience in the BFSI sector and commands expertise in the fields of banking, credit analysis and risk, decision support, and mortgages. He has also worked with other key players in the industry, such as ICICI Bank and HDFC Bank.

Kumar Gaurav Pruthi

Gaurav began his journey with Bajaj Finance Limited in the Personal and Business Loan vertical. Over the course of his tenure at BFL, he also worked in the Loan Against Property and Mortgage Collections verticals and was made the Collections Head in 2016.

As the Chief Collections Officer, Gaurav steers a team of nearly 500 towards consistently delivering breakthrough business performances every year. He believes that his team is his biggest asset and approaches his work with exceptional rigour and agility.

An IIM Alumnus, Gaurav completed his B. Com (Hons) from Delhi University and holds two MBAs.

C.A. Gaurav Kalani

Gaurav Kalani was appointed the Chief Financial Officer of Bajaj Housing Finance in 2018 and has spent nearly 15 years with the Bajaj Group of Companies. A Bajaj veteran, Gaurav began his career in the group with Bajaj Auto in 2003 before moving to Bajaj Finserv as one of its founding members, becoming a part of the Strategic Planning and Business Development team.

In 2011, Gaurav moved to Bajaj Finance Limited to head product businesses such as Home Loans and Loans Against Property, along with Management Reporting. He was instrumental in designing several strategic plans for the Company, including the Annual Operating Plan (Budget) and Long-Range Plan, among other initiatives.

Gaurav also facilitated the accurate and timely management of financial and analytical reporting, financial simulations, and dashboards, ensuring optimally streamlined business processes. Before his move to Bajaj Housing Finance, he headed BFL's Management Reporting and Controller-ship units.

Since his move in 2018 as the CFO of the BHFL, Gaurav has played a significant role in driving key strategies, including Capital Raising, AOPs and LRS planning and execution, as well as managing investor relations.

Gaurav is a Chartered Accountant and an IIM Ahmedabad alumnus, with over 20 years of experience in the sector.

Gagandeep Malhotra

Gagandeep joined the Bajaj Finance Group in the year 2015 as the Head of Credit for SMEs. He went on to become the Head of Centre of Excellence in Credit Underwriting and was eventually promoted as the Chief Commercial Risk and Underwriting Officer where his focus areas were lending to Mid-Market Enterprises and Financial Institutions.

Today, he heads the Credit and Wholesale Lending department at Bajaj Housing Finance where he manages the Residential and Commercial Real Estate portfolio involving lending to Developers and HNIs. He also oversees Construction Finance, Lease Rental Discounting, and Loan Against Property.

Gagandeep has more than 17 years of diversified experience in the financial services industry across Commercial/Mid-Market/Consumer/Retail SME Lending and Real Estate. In the past, he has worked at strategic and top-leadership positions with Citibank.

Gagandeep is a B.Tech in Electronics and Comm. from NIT, Kurukshetra and holds an MBA in Finance and Marketing from IIT Kanpur.

Anurag Jain

Anurag Jain was appointed the Chief Information and Technology Officer at Bajaj Housing Finance in 2018, before which he headed the Core Lending Projects vertical at Bajaj Finance Limited as a member of the Senior Management Team.

At BFL, Anurag was responsible for carving out the organisation's journey for Advanced Core Lending platform transformations from the legacy system. His key initiatives included defining the roadmap after evaluating multiple solutions, benchmarking the process to be future-ready. He tailored processes to meet business requirements, optimising efficiency and cost-effectiveness.

Since his move to BHFL, Anurag has been responsible for all technology, analytical, and business intelligence functions, which involve a wide variety of IT support systems. He also achieved an industry-first milestone by creating an end-to-end business platform on Cloud, successfully migrating business data from legacy systems in record time. Anurag has been honoured with several accolades and awards for his initiatives and practices that have enriched the Company’s infrastructure.

Anurag is an IIM Calcutta alumnus, whose career spans over 25 years in the field, having also defined IT processes in other reputed global companies.

Sayantani Dutta

Sayantani joined Bajaj Housing Finance as the Chief of Human Resources and Administration in the year 2024. She is a versatile HR professional with 20+ years of experience in world-class organisations. In her role, she partners with businesses to steer the company’s people agenda.

Sayantani is a solution-driven HR partner who has handled the entire gamut of HR, ranging from Employee Development, Talent Management, Organization Design, and Rewards. She is an impactful leader and has delivered in a range of business cycles spanning massive growth, merger, and consolidation phases.

Sayantani brings strategic thinking and an inclusive style to drive change. She believes that HR needs to be nimble and should leverage the intricate dynamics of business and people to be able to craft a high-performance culture.

Sayantani has previously worked with GE Capital, Walmart, Vodafone, and Kotak Mahindra Bank. She holds an MBA in HR from XIMB, Bhubaneshwar.

Pradeep Parhi

Pradeep was an instrumental part of Bajaj Finance Limited for over 16 years before moving to Bajaj Housing Finance as a Business Head (Rural and Emerging) in May 2022.

As the Senior Head of Debt Management Services at BFL, he spearheaded the Debt Management team and played a significant role in Urban and Rural Collections. His assertive stance resulted in the Company’s expansion to previously untapped markets and led to the launch of the ASSC/ANEX and external model in urban regions.

Pradeep has an MBA in Finance from ICFAI Kolkata. He also holds an executive MBA from IIM Lucknow.

Biswaranjan Bastia

Biswaranjan Bastia has been with the Bajaj group since 2010. He joined BFL as a Regional Sales Manager and, today, he heads Insurance Services and Staffing Services for Bajaj Housing Finance.

Over the years, Biswaranjan has played several roles in different verticals — from construction equipment finance to mortgages and, eventually, insurance services. He was the Head of Life Insurance Partnerships for BFL till November 2018 before he joined Bajaj Housing Finance.

Biswaranjan played a critical role in several positions. Most notably, he set up the entire cross-sell framework in the company — from innovative product creation and partner onboarding and management to sales governance framework establishment and claim management.

Biswaranjan is a seasoned professional with 19+ years of experience in various corporates, including ICICI Bank, Citicorp Finance, SREI, Magma, and Tata Motors. He holds a PGDM from XIM, Bhubaneswar, and a B.E. in Electrical engineering from VSSUT. As a leader, Biswaranjan believes in dreaming big and executing rigorously, which has helped him scale new heights time and again.

C.A. Naman Agarwal

Naman Agarwal heads the company’s internal audit function. In the past, he overlooked critical aspects under the Risk vertical. He is a Bajaj veteran with over 12 years of experience in the group, receiving much recognition and several accolades for his contribution, including two Excelsior Awards.

Naman is a Chartered Accountant and comes with over 18 years of experience in the Mortgages sector, having worked with ICICI Bank and Indiabulls in the past. He believes in hard work, integrity, and humility as the cornerstones of progress — both personally and professionally.

Amit Kumar Yadav

Before moving to Bajaj Housing Finance in 2022, Amit oversaw various Compliance frameworks in the insurance and sales verticals, among others, during his six-year tenure at Bajaj Finance Limited.

With a career that spans over 19 years, Amit Yadav’s experience spans several notable Compliance Regulatory roles. His expertise in the field includes Regulatory Insurance and Sales Compliance, Fraud Control, and Internal Audits.

Amit is a Business Economics (Hons) graduate from the Delhi University and has worked with numerous reputed organisations, such as American Express, Max Life Insurance, and Pramerica Life Insurance.

Neel Shah

Neel Shah has been with the Bajaj group for 5+ years and was appointed as the Head of Marketing in 2021. He leads the company’s marketing, communication, branding, social media, and digital efforts, driving customer acquisition through different digital touchpoints.

Neel joined the Bajaj group as a Senior Manager for SME, COE, and has handled several projects since then, including Campaign and CIBIL Watch. Notably, he played an integral role in establishing and scaling the Digital Referral Program.

Neel comes with 10+ years of experience in diverse roles across the media and finance sectors. He holds an MBA in Finance from SCMHRD, along with an M.Com from the Ness Wadia College of Commerce. Neel firmly believes in leading by example — a trait that has helped him lead his team to take on greater challenges with a deeper sense of ownership.