Managing Director & CEO
Managing Director & CEO
Pankaj Gadgil is the Managing Director & CEO of Aditya Birla Housing Finance Limited (ABHFL). Pankaj is responsible for providing strategic direction to the housing finance company and building it to be a material player in the industry.
He is also a member of the Senior Management Team at Aditya Birla Capital and will be responsible for developing the digital platform for Aditya Birla Capital and developing strategy for its payments business.
Pankaj has diverse experience spanning over 25 years, having handled multiple roles in areas of banking and finance. Before joining Aditya Birla Capital, Pankaj worked for 19 years at ICICI Bank, in the areas of Retail Assets & Liabilities, Business Banking, SMEs, Payments, and large ecosystems. He is credited with several ‘industry first’ digital propositions, like InstaBIZ, Connected & API Banking, Trade Online, Eazypay & InstaOD etc. These digital propositions have won the bank several domestic and international awards, accredited by Asian Banker, Gartner Innovation, IBA, Business Today, etc.
In his earlier stint, his thought leadership, focus on customer insights, distribution efficiency, enabling service architecture, and digital transformation have created a footprint of more than 2 million customers. This has led to significant growth in profit pools and market share in the Small Business segment for the Bank.
He has also served as the Bank’s nominee member on the Board of National Payments Corporation of India (NPCI), NPCI International, ICICI Merchant Services Ltd., and ICICI Securities Ltd.
Pankaj is a MBA from Savitribai Phule Pune University and holds a diploma in foreign trade from the Department of Economics.
The Management Team at ABHFL is composed of dynamic individuals driving excellence across every function.
Managing Director & CEO
Pankaj Gadgil is the Managing Director & CEO of Aditya Birla Housing Finance Limited (ABHFL). Pankaj is responsible for providing strategic direction to the housing finance company and building it to be a material player in the industry.
Chief Credit Officer
Dharmendra Patro is the Chief Credit Officer at Aditya Birla Housing Finance Ltd. In this role, Dharmendra is responsible for underwriting loans for all segments with a balance between return and risk exposure. He leads a team of credit approvers to ensure onboarding of high-quality customers. He is also engaged with development, implementation, review and monitoring of various credit programmes.
Chief Risk Officer
Subhajeet Roy Choudhury is the Chief Risk Officer at Aditya Birla Housing Finance Ltd. In this role, Subhajeet is engaged in managing risk and policy for the Prime, Affordable, and Construction Finance business. He is responsible for all risk management strategies and supervising the organisation’s risk mitigation and identification procedures.
