Aham Housing Finance

Management team

Venkatesh Kannappan, MD & CEO

Mr. Venkatesh Kannappan, B.E (EEE), MBA Marketing and Systems, PGDSM Software, was born in the cultural city of Tanjore in the year 1976. He brings over 2 decades of rich experience to the table from the Banking and Finance sectors. .

He has a strong background and expertise in start-ups, steering business, risk management, product development and organization building. Revenue generation and profitability for start-ups is his strength. He is a senior banking professional who has worked with leading banks and finance companies. .

Backed with the experience of building retail books of more than INR 13500 crores in various organisations across several products over the last 20 years has a high-level expertise in building companies and large teams from ground up. He has always specialised in assessment of informal sector and in handling of multiple products such housing, mortgage, vehicle, personal, gold loans etc.

In his role as the Regional Head, South, HDFC Bank he has been part of founding team of CV business. When he was the Business Head, Reliance Commercial Finance he was heading Sales & Distribution for team of 600 across the country. He had brought in unique aspects of the market in lending policy and used a bottom-up approach for building book..

From there he moved as the Group Product Head & Group Executive VP, Yes Bank where he managed team of 40 product managers and held P&L responsibility for retail assets. .

He responsible for various digital initiatives, analytics-based decision making, automation of underwriting process introduced during his time with the organisation. In his previous role as the Chief Operating Officer, Hinduja Housing Finance he was the founding member responsible for up the HFC, hiring a team of 1500, organizational built up including IT infrastructure.

Somesh Dixit, Chief Operating Officer

Mr. Somesh Dixit, a BE and MBA graduate, started his career in housing finance in 1995, has till now worked in major Banks and NBFCs over the past 27 years including ICICI Bank, HDFC Bank, DHFL and IndusInd Bank in various leadership roles right from regional, zonal to national level roles. He specialises in setting up a strong team and establishment of robust distribution channels and increasing the effectiveness of existing distribution networks for the distribution of home loan and mortgage products.

He started his career with Gujarat Lease Financing Limited & GLHL Housing Finance Limited where he was responsible for the growth of their industrial finance and housing finance programs. His next role was with ICICI Bank Limited where in his role as the Regional Business Head in charge of the MP & Chhattisgarh region and Kolkata & North East region, he was responsible for setting up and development of the team of sales and credit managers at various levels. He ensured establishment of new channels and increasing the effectiveness of existing distribution channels.

In his roles as the zonal sales manager (north zone) in HDFC Bank and zonal head (north and east zone) in Dewan Housing Finance Corporation Limited, he was responsible for top line and bottom line target achievement as well as business generation and development of Affordable Home Loan segment for his zone. In his previous role as the NSM – HL & LAP, Indusind Bank Limited in addition to ensuring development of business strategies and setting up of a team capable taking up higher responsibilities he was involved in the development of alternate revenue streams by bundling other banking products with the home loan products.

Suresh Raman, National Business Head

Mr. Suresh Raman, an MBA graduate, has over 25 years of experience in the banking industry with a major experience of being part of ICICI Bank for more than 17 years where he was heading various products including Home Loans & LAP, Personal Loans, Commercial Loans, Auto Loans and Two Wheeler Loans in Regional, Zonal and National capacities.

Suresh Raman, whose domains of expertise include implementation of strategic sales procedures, design and implementation of channel distribution plans and increasing market penetration has hands-on experience in developing the business strategy of an organisation based on business analytics and competitive intelligence.

PS Raj Kumar, Head Credit

Mr. Raj Kumar is a senior professional holding MBA degree and having more than 23 years’ experience in Sales (Banking Product) and Credit Risk Management. His core competencies involves strategic planning, Credit & Risk, Revenue Generation, Key Account Management, Business Development and Client Relationship Management. He was a part of Mannapuram Home Finance Limited as Regional Credit Manager prior to joining Aham Housing Finance.

Priya Datta Joshi, Company Secretary.

Mr. Priya Datta Joshi is the Company Secretary and Compliance Officer of the company. He holds a bachelor’s degree in commerce and law from Sambalpur University, Odisha. He is also an associate member of the Institute of Company Secretaries of India.

He is one of the very first employees and part of the core team, ensuring the creation of a base for the organisation to further build on.

His role is to handle all the secretarial and compliance functions of the company.

Logith, Head - Human Resources, Product & Special Projects

Mr. Logith completed B-tech Degree and Msc from UK University and currently heads the Human Resources and Product Department & carries a rich experience in the Affordable Housing Finance product vertical. He comes with strong expertise with the AHF product design & steering business to market. He is an experienced professional to build and manage a product roadmap through user research and product analysis. Highly involved in launching or enhancing a product, while also providing a strategic vision. In his previous assignment he was an Area Business Head at Hinduja Housing Finance Ltd.

MUTHU A, Head - Legal

Mr. Muthu brings extensive experience in legal advisory and expertise within the housing finance sector

Muthu has a wealth of experience in overseeing the meticulous review of original borrower documents and a proven track record in ensuring the accuracy and compliance of borrower documentation, which is evident from the organisations from which he has garnered through his career, which include Cholamandalam Finance, TVS Credit Services and Hinduja Housing Finance and Poonawalla Housing Finance.

NANDAGOPAL DEVADAS SHENOY, Head - Collections

Mr. Nandagopal, a B.Com graduate with over 32 years of experience in collections management among other operations for Banks and large NBFCs. Having started his career in Canfin Homes, Nandagopal has also experience working in DHFL and Axis Bank.