Mr. Satish Kotian - Executive Director

Kotian Mr. Satish Kotian is a Commerce Graduate and MBA (IT & Systems) from ICFAI University, with over 25 years of experience in establishing, managing and precise implementation of operations and technology in the Housing Finance Industry.

Mr Kotian has for over 3 decades, forged a distinguished and insightful career with excellence in managing diverse projects, through effective execution of Business Strategy and building of ecosystem to consolidate market synergies. He is technically sophisticated and business savvy with strong leadership qualities and is highly skillful in driving high-value revenue and profit plans, building and managing teams and enforcing collaboration across the teams in matrix organization.

In his earlier stint with DHFL which he served for 21 yrs as Sr. V. P ( IT & Operations), Mr. Kotian has been instrumental in contributing significantly towards setting up their Mumbai zone and also spearheaded the system integration for their Insurance policy processing.

Mr. Kalpesh Ojha - Executive Director

Ojha Mr. Ojha is a FCA, ACS and MFM. He has also cleared CIMA. He has over 20 years of extensive Finance professional experience in fund raising in debt & equity from PEs, Banks, FIs and Debt Capital market/ Fixed Income market (DCM).

He is also having hands on experience in Treasury management, investments, cash flow/ liquidity management, cash management, transaction banking, securitization, financial planning and control, budgeting/MIS, operations and audit. He has worked with NBFCs like RELIANCE CAPITAL, SHRIRAM TRANSPORT FINANCE and CHHOLA MANDALAM FINANCE at various positions in finance and treasury. His last stint was with Reliance ADA Group as Sr. Vice President

Mr. Rajaram Manian - Chief Risk Officer

Rajaram-Manian Mr. Manian has completed his post-graduation in Management specializing in Finance and System applications. He has also completed a gradation course in General Law. He has about 20 years of experience in Risk Management in retail Asset financing especially in the space of Home Finance and Corporate Finance.

He is a Risk professional specialized in setting up Risk Framework, Policy and automation of Risk processes for Banks/NBFCs which includes BASEL Risk Management Implementation, Rating Assessment Models, Anti Money Laundering, Rule engines, work-flow management, Operations Risk and Market Risk.

He was Head of Risk Solutions at IDFC Bank where he was part of setting up the Risk Solutions for Retail and Corporate Banking. He was Head of Risk Management in Reliance Home Finance where he used to manage Mortgage Loans – Home Loans, Home Equity, Construction Finance and Inventory Funding. He has worked in organizations like Kotak Mahindra Bank (erstwhile ING Vysya Bank), GE Money, ICICI Bank, Sundaram BNP Paribas and HDFC Ltd.

Mr. Sudhir Menon - Head Credit

Mr. -Sudhir-Menon Mr. Menon has 20 years’ experience in the Home Loans Industry undertaking diverse areas of work; it includes staff management, credit appraisal, legal documentation and handling high profile clientele.

He has developed a multi-dimensional business perspective working in diverse operational roles across credit-underwriting, business development, business transformation and invaluable international experience – working in Dubai and India. Apart from real estate finance expertise, have also conceptualized and implemented new business initiatives focused on operational transformations in lead management, market intelligence. Previouslyhe worked with HDFC for almost 18 years.

Mr. Kalpesh Dave - Head Corporate Planning & Strategy

Dave Mr. Kalpesh Dave has done B. E. (Computers) from Mumbai University and MBA (Finance) from NMIMS. He has 12 years of experience in the finance, business development and planning.

Mr. Kalpesh has expertise in setting and implementing business strategy, planning and budgeting, financial modeling, identification / evaluation of business opportunities and managing operational improvement initiatives

Mr. Tahir Shah - Head Technology

TahirShah Mr. Tahir Shah brings in 19 years of rich technological experience in his current role at AHFCL. He is responsible for end to end implementation of AHFCL technology platform. He plays a pivotal role in providing comprehensive training of the lending application to the AHFCL staff gearing them up for optimal use of the technology platform

Mr. Shakir Shaikh - Regional Business Head-Madhya Pradesh & Gujarat

Sheikh Highly experienced Senior Mortgage Professional of Lending with a record of success in the underwriting, credit analysis, legal and technical aspects, policy and product designing and Results-driven financial leader impacting profitability and growth for a variety of both start up and established housing finance companies.

A recognized thought leader in the advancement and development of new business lines and operational changes that promote the growth of the enterprise as a whole and provide proven success in strategic planning, as well as contributions to the establishment of company direction. He is a Mortgage specialist, expertise in Retail and corporate litigation, gained exposure in legal appraisal of projects, legal due diligence, Loan documentation, creation and enforcement of Security.

He has experience of SARFAESI Act proceedings for recoveries under NPAs, litigation related debt Management, court procedures, Banking Laws, Arbitration matters, customer complaints, RBI, Banking ombudsman, process & legal compliance, fraud identification, TAT, Cost Control, MIS and attending Consumers, Liaison with solicitors, law firm & senior counsels in various courts in India. Having specialization in formulation of legal, operational and credit policies, process risk management, risk metrics, deviation matrix, compliance, asset risks & valuation process and asset portfolio management.

Mr. Sachin Kotkar - Head Insurance

Raj Rai Mr. Sachin Kotkar is a sagacious and result oriented marketing professional with 15 years of rich and dedicated experience in Housing Finance and Insurance Services Industry. He is zealous and adept in managing business operations with focus on top line & bottom line performances.

He has worked with reputed organizations like ICICI Prudential Life Insurance Company and ICICI Home Finance across various levels. During his stint with his previous organizations, he has won awards such as President Convention Trophy, Superstar and Rising Star award for his outstanding contributions.

Mr. Pragnesh Patel - Head HR

Pragnesh-Patel Pragnesh Patel is a Commerce Graduate and MBA in Human Resources from Welingkars Institute of Management Studies. He joined MOFSL in 2014 and is the Head HR of Aspire Home Finance Ltd.

Pragnesh has been in the field of HR for over 15 years and has spent larger part of his career working as a HR professional in the financial services industry largely for banks and credit rating agency. In his previous assignment he has worked as Strategic HR & OD for MOFSL group. Pragnesh in his prior roles has worked with CRISIL Ltd and Development Credit Bank Ltd. in the HR, Training and Organization Development space.

Pragnesh has experience is a certified ‘executive coach’ and over the years built expertise on psychometric assessments like DISC and MBTI. He is very passionate about leading organization development and change orientation initiatives.