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  • Balaji P

    Executive Director & CFO

    Balaji P

    Balaji P is the Chief Financial Officer of our Company. He holds a bachelor’s degree in commerce from University of Madras. He also passed the final examination held the ICAI to qualify as a chartered accountant. He has various years of experience in the textiles, telecom and finance sectors. He was previously associated with the Bombay Dyeing and Manufacturing Company Limited, Hutchison Max Telecom Limited and Cholamandalam MS General Insurance Company Limited. He joined our Company as the CFO on June 21, 2010.

  • 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.

  • Amit K

    Sr. Vice President - Finance

    Amit K

    Amit is a Senior Finance Professional with 16+ years of rich experience with diversified industries including Housing Finance, NBFC, Digital Payment Solutions, Automobile, Life Insurance, and Consulting. He is experienced in leading wide spectrum of Financial Strategies, Financial Planning, Taxation, Treasury, Audits, Controls, M&A, Compliances and Accounts Operations. He is a member of Institute of Chartered Accountants of India. Prior to joining Aptus, Amit was associated with Hitachi Payments, Edelweiss Housing Finance, Mahindra & Mahindra, Birla Sun life Insurance, and Ernst Young.

  • 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.

  • 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 Panicker is the Company Secretary and Compliance Officer of our Company. He holds a bachelor’s degree in commerce from University of Kerala. He has various years of experience in the consulting and finance sectors. He was previously associated with Madura Micro Finance Limited. He joined our Company as the Company Secretary on August 11, 2020.

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