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  • Balaji P

    Executive Director & CFO

    Balaji P

    Balaji is a member of the Institute of Chartered Accountants of India. He has 20+ years experience in the areas of investor relations, treasury operations, finance and accounting. He presently heads the functions of finance, treasury, accounts, internal audit, compliance, investor relations and financial risk management. He was previously associated with SKS Microfinance – Asia’s No.1 Microfinance Company as Vice President – Finance wherein he was instrumental in putting in place processes and controls. He has also worked with Cholamandalam MS General Insurance, Hutchison Max Telecom Limited and The Bombay Dyeing and Manufacturing Company. He has also undergone Executive Education Program in IIM-Bangalore.

  • Subramaniam G

    Executive Director - Chief Of Business & Risk

    Subramaniam G

    G Subramaniam, (GS ) has rich experience in the areas of operations, accounting, internal audit, risk management, fraud control, credit management, collections, recovery and legal. Before joining Aptus, he was with Cholamandalam as Associate Vice President. Prior to Cholamandalam, he has worked in organizations like SRF Limited, Reliance Industries Ltd. GS has made immense contribution towards many initiatives including delinquency management system, creating robust process controls, Enterprise risk framework, fraud control manual etc. He has presented various papers in seminars conducted by ICAI, Institute of Internal auditors on fraud control, Internal audit. GS is a member of Institute of Chartered Accountants of India trained under Fraser and Ross Chennai, Member of Institute of Internal auditors USA, Member of Certified Information system auditor USA, Member of Certified fraud examiner USA. He has passed the Senior Management Program from Indian Institute of Management Calcutta .He was among the top performers and identified as future leader and underwent the Business Leadership Program organized by the Murugappa Group in association with IIMB.

  • Manoharan C T

    Executive Vice President – Business Development

    Manoharan C T

    Manoharan has over 18 years of Experience in Housing Finance Industry. He has experience in the Housing Finance Industry across sales, Channel Management, Distribution management, formulation of credit policies, credit appraisals etc. Prior to joining Aptus, he was engaged with Can Fin Homes and Dewan Housing in various capacities across sales, channel management and credit. He also has a thorough exposure of legal and technical framework pertaining to housing finance. He is managing a diverse range of operations entailing Business Development, Sales & Marketing, Training and Budgeting. Manoharan holds a Post Graduate Degree in Physics from Calicut University and also has completed Financial Management certificate course with ICFAI.

  • Sarath Chandran D

    Executive Vice President – Collections & Technical

    Sarath Chandran D

    Sarath Chandran has rich experience in Housing Finance Industry most of which was in collections and technical function. He is a seasoned collections and technical professional with over two decades of experience. He is credited with many new innovations in the areas of collections and technical. Prior to Joining Aptus, he was with Sundaram Home Finance in the technical department. Most of his career is associated with technical functions and operations specifically in the field of property inspection, statutory approvals and valuation. Property valuation including marketability being the pivot for any housing finance company, his expertise significantly facilitates in building quality home loan portfolio. Sarath is a Graduate in Civil Engineering from Madurai Kamaraj University with a Masters degree in real estate valuation. He has participated in various programs & seminars by the Institution of Valuers.

  • Krishnaswami V

    Vice President – IT

    Krishnaswami V

    Krishnaswami has more than 18 years of experience in IT Consulting, Project management, Technology solutions, customization & implementation, IT infrastructure and Information security in various MNC companies. He provides leadership through policy implementation, strategic thinking and decision making. He has built and lead high-performance teams to manage, implement and streamline the complex IT designs. Having wide knowledge in various domains like Hardware, ERP, Resource planning, Social services, Banking and Practice Management systems. Prior to joining Aptus, he was associated with CSS Corp, Effigent & Tauraweb Technologies. Krishnaswami holds M.sc – IT from Institute of Advance studies and Education and is certified as Scrum Master.He also holds a diploma in Design Thinking from Stanford University through online learning

  • Srikanth N

    Vice President - Human Resource

    Srikanth N

    Srikanth has an overall 20+ years,of qualitative experience in Human Resource. Srikanth is well versed with entire recruitment cycle, Manpower planning, Induction, Employee Relations and Engagement, Payroll and Taxation, Statutory Compliances, Labour Laws, Originate HR Policies, Retention of Employees, Grievance Handling, Exit, Benchmarking and IRIS. Prior to Aptus, Srikanth was associated with CSS Corp Pvt Ltd, (Software Development and Testing Division), Viveks Ltd and Sundram Fasteners Ltd (TVS). He had done automation for Payroll, employee attendance, E-Documentation for employee personal files. He was a process champ for ISO and PCMM certifications. Srikanth holds Master’s degree (MHRM) in Human Resources from Pondicherry University.

  • Sundara Kumar V

    Sr. AVP & GM - Legal & Recovery

    Sundara Kumar V

    Sundara Kumar has over 14 years of legal experience in financial services, housing finance / mortgages, in particular. He was earlier associated with Standard Chartered Bank looking after the legal function relating to retail and mortgages portfolio. His experience in title deed scrutiny, SARFAESI and arbitration procedures is also good and relevant. Prior to this he was associated with M/s. King & Partridge, Law firm. Sundara Kumar holds B.com, B.L., from Madras University. Also he had completed the ICWAI (Inter) and ACS (Inter).

  • Ramesh K

    Sr. AVP & GM - Credit

    Ramesh K

    Ramesh has more than 15 years of experience in areas of Credit & Risk Management, Fraud Control and operations in retail finance. He has very good exposure in portfolio analysis, learning and implementation of same in future funding like infant delinquency analysis, lagged delinquency analysis. He has handled large retail portfolio and was instrumental in Pilot launch of Credit based Risk Model across Pan India. He had made immense contribution towards many initiatives including optimum utilization of resources, popularly known as lean cell management, Portfolio analysis, managing customer service operations. He was also involved in the launch of TAB project for processing of Credit application of retail finance. Prior to joining Aptus, he was associated with Cholamandalam Investments and Finance, Barclays, ICICI Bank and GE Capital. Ramesh holds MBA from Madras University.

  • Azhaladi N

    AVP & GM - Receivables

    Azhaladi N

    Azhaladi has more than 15 years of experience in managing retail portfolio including receivables, most of which in Housing Finance. He has rich experience in NPA resolution, more particularly with SARFAESI implementations. Mr. Azhaladi is experienced in handling large collection teams across branches, implementing specific strategies for soft and hard bucket loan accounts and has special skill for out of the court settlements. He has piloted the launch of mobile field collections to achieve NIL transaction loss and also eliminate other revenue losses. He has also formulated strategies to reduce collections cost to improve the productivity. Prior to joining Aptus, he was associated with organizations including Natrust, Kotak Mahindra, GE Money and HDFC Bank in various capacities. Azhaladi is a MBA graduate from Madurai Kamarajar University and also holds a LLB from Bangalore University.

  • Naveen Kumar R

    Head of Operations

    Naveen Kumar R

    Naveen has almost 10 years of varied experience in Financial services and more importantly in the Housing Finance Industry and has been mostly associated with hands on work experience in handling operations at various levels of the company and at present leading the Operations and Customer Care Unit of the company. He has strong analytical and technical skills combined with procedural experience in supervising the Loan Origination System and Loan Management System, Portfolio analytics, Risk assessment and customer service operations. Naveen is a graduate in engineering and also holds Post graduation degree in Master of Business Administration (MBA) from Anna University.

  • Sanin P

    Company Secretary & Compliance Officer

    Sanin P

    Sanin has 12+ years experience in the field of Secretarial Compliances, Corporate Advisory, Corporate Governance and Mergers & Acquisitions. His expertise lies in the field of Corporate Laws, SEBI and RBI related compliances. Sanin is an Associate member of the Institute of Company Secretaries of India and he holds a bachelor’s degree in commerce from University of Kerala. Prior to joining Aptus, he was associated with Directus Consultants Private Limited and Madura Micro Finance Limited.

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