AHAM HOUSING FINANCE LIMITED

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.

Ajit Kumar Sarangi, Head - Human Resources

Mr. Ajit Kumar Sarangi has completed his Post Graduate Program in Management from Indira Group of Management, India, and is currently pursuing his PhD from Lovely Professional University. With over 14 years of experience in Human Resources Management, he brings a wealth of knowledge and expertise to our organization.

Before joining Aham Housing Finance, Mr. Sarangi served as Head HR at TVS Credit Services Limited. His extensive career also includes significant roles at Siesta Hospitality & Services Limited and Mahindra Holidays & Resorts India Limited.

Mr. Sarangi is dedicated to fostering a positive and inclusive workplace culture, ensuring our HR strategies align with our company goals and values. His leadership and commitment to employee engagement and development play a pivotal role in driving our organization's success.

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.

Arunachalarajan S, Chief Technology Officer.

With over 17 years of experience leading IT industries, Arunachalarajan brings a robust background including a decade in mid-level leadership. He has extensive experience in executing IT initiatives across diverse domains, particularly within NBFCs, covering collection, sales, finance, compliance, HR, Treasury, banking, KYC, SCM, retail, and e-governance.

Previously, at TVS Credit Services Ltd., he served as Senior Manager of IT Program Delivery, directing over 26 IT projects and achieving significant outcomes such as automating sales and collection incentive payouts using Oracle Intelligent Advisor and developing a WhatsApp-based RL-ML system for enhanced collection efficiency. He also crafted compliance and treasury web portals, ensuring adherence to regulations like RBI and MSME Act.

At TerraCIS Technologies Ltd. (formerly IL&FS Technologies Ltd.), as an IT Program Manager, he led a 60-member team and successfully executed data migration from 13+ e-government departments, eliminating 2.5 million ghost beneficiaries. He also implemented an Aadhaar Vault for data security and ensured 99% SLA adherence. At Tech Mahindra, he managed IT application systems for major clients like State Bank of India and NISSAN North America, leading to significant cost savings and efficiency improvements.

His deep proficiency in designing and delivering data migration and digital transformation projects, along with managing customer-facing technology solutions using technologies like PaaS, Salesforce, J2EE, and IaaS (AWS, OCI), will be invaluable to our company.

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.

R Srinivasababu, National Collections Manager.

Srinivasababu brings with him over 16 years of rich and diverse experience in portfolio and receivables management, risk recovery strategies, legal collections processes, and team leadership across secured and unsecured lending products including home loans, mortgages, and strategic SME loans.

Before joining us, he was associated with SMFG India Home Finance Ltd as AVP – Zonal Collections Manager, where he successfully led collections operations across Tamil Nadu and Karnataka. His deep understanding of secured recoveries and legal proceedings under SARFAESI and NI Act (Sec 138), along with his ability to drive team efficiency and mitigate portfolio risk, has made him a key contributor in the credit and recovery ecosystem.

He has also held critical roles at Religare Finvest, Royal Bank of Scotland, and GE-SBI Cards, where he handled end-to-end responsibilities in capital reporting, data quality, cheque clearing, KYC systems, and recovery agency management.

Srinivasababu is a Certified Lean Professional and brings hands-on experience in team building, MIS monitoring, and cross-functional collaboration with credit, sales, and legal teams.