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Aditya Birla Housing Finance Limited

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Dharmendra Patro

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.

He has over 24 years of rich experience in core underwriting, covering almost all kinds of retail loans like Mortgage, Housing, Unsecured Business, Personal, and Credit Cards. He has sound exposure to portfolio risk management, policy formulation, management of credit, and acquisition risk. Dharmendra has managed and monitored risk indicators and has developed plans to mitigate them including fraud management.

Prior to joining ABHFL, Dharmendra was working with Bandhan Bank as the Head of Credit Underwriting. His earlier work experience includes organisations such as PNB Housing Finance Ltd, Indiabulls Housing Finance Ltd. and ING Vysya Bank.

Dharmendra is a qualified Chartered Accountant from ICAI, New Delhi.

Management team