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#ARTinNews: NDTV covers Mr. Arvind Hali (MD & CEO) on Union Budget '18 expectations | Business Standard covers Mr. Arvind Hali (MD & CEO) over his thoughts on “Rising Delinquencies in Affordable Housing” | ART in association with NHB rolls of 130+ CLSS benefits for deserving home loan seekers | With its recurrent expansion , Now ART is present in 6 states – Delhi, Gujarat, Rajasthan, Haryana, Maharashtra and Uttar Pradesh.
Affordable Housing Finance

Management Team

Amar Bahl - President - Chief Operating Officer

Amar has a rich domain experience of 20+ years in the Financial Services industry. He was associated with the Reliance Capital Group for almost 11 Years and has worked in different assignments at Reliance Home Finance and Reliance Commercial Finance. He played a major role towards successful book creation with an AUM of Rs 13400 Cr in Reliance Home Finance and AUM of Rs 12000 Cr in Reliance Commercial Finance. As a part of initial team he contributed in most of the products journey from launch to growth phase (Affordable Housing, Home Loans, LAP, Construction Finance, Working Capital, Credit Cards, Personal Loans, Business Loans, Gold Loans, Commercial Equipment and Agriculture/SME loans for emerging markets). His last assignment with Reliance Home Finance was as a Business Head - Affordable Housing, Home Loans, Construction Finance and Syndication.

In his earlier assignments Amar played a major role with Standard Chartered Bank, in different geographies, as a Zonal Head - HL,LAP across India ( West, East, North ) and with ICICI Bank where he was handling Retail Investments and Liability Channels ( Branch Banking, Wealth Management, CASA, Fixed Deposits, Salary / Household A/c's, TASC Group, Bonds etc.). Amar also worked with SHCIL ( Stock Holding Corporation of India Ltd.) and Eureka Forbes Ltd in his early days.

Amar is an MBA in Marketing/Finance and holds a Bachelor's Degree in Commerce/Economics from Delhi University.

Pankaj Jain - EVP- Chief Financial Officer

Pankaj is a Post Graduate from Mumbai University and brings with him a wealth of experience of over 22 years, working as a Finance Professional across sectors such as Banking, Financial Services, Insurance, Textiles and FMCG. His core strengths include but are not limited to Strategic and Financial Planning, Investor Relations, Treasury, Asset Liability Management etc. Prior to ART Housing Finance, Pankaj has held various critical and strategic roles in ICICI Prudential Life, ICICI bank and ICICI HFC at senior levels with an active interface with the top management, board of directors, auditors, regulators, rating agencies, lending institutions, institutional investors etc. His most recent assignments in FY 18 include launching and heading the Loans against Securities business and being part of the project team that launched the Consumer Finance business within ICICI HFC.

Manish Singh - EVP - Chief Business Officer

Manish, MBA by qualification is passionate and result oriented professional, possessing more than 20 years of experience in BFSI. He has relevant and diverse cross functional expertise in setting and scaling up Retail Lending Businesses. During his stints at ICICI Bank, Dhanlaxmi Bank Ltd, Reliance Capital Ltd, Magma Shrachi Finance Ltd and erstwhile Apeejay Finance Group Ltd, he has significantly contributed in establishing large operations across various retail asset products like Commercial Vehicles, Mortgages, MSME and Home Loans.

At ART Housing Finance he is responsible for setting and scaling up the business operations across the country and ensuring the profitability and effectiveness of the vertical.

Ranjeet Kumar Mishra - EVP - Chief Credit Officer

Ranjeet is a professionally qualified Chartered Accountant (CA) and Cost Accountant (ICWA). He brings in a rich experience of 14+ years in Banking and Financial domain, from organizations like Religare Housing Development Finance Corporation, ICRA, R Systems, Polaris Software and IndusInd Bank. He played a critical role in launching Affordable Housing Finance Business at Religare and took it to a significant scale and book size. With a strong understanding of the under-served segment and expertise in Credit Under-Writing, Process Management, Policy Formulation, Risk Management and Product Development, Ranjeet aims to create a high quality portfolio at ART Housing Finance within the acceptable risk.

Suneel Yadav - VP - Chief Marketing & Experience Officer

Suneel brings with him a rich experience of 20+ years having worked in organizations in the Financial services, FMCG and Advertising domains. His core strengths lie in fields like Strategic Marketing, Brand Management and Digital Marketing. He has worked with reputed firms like Intec Capital, Godfrey Phillips, TATA AIG and has a proven track record in formulating marketing strategies and launching new channels/lines of business and growing them into profitable operations. Earlier in his career he has also worked with some of the top advertising agencies like Ogilvy Worldwide, Euro RSCG and Solutions Digitas. Suneel is a MBA(Marketing) and is also an alumni of the prestigious Indian Institute of Mass communication (IIMC), New Delhi. He plays a critical role in forming a strong Brand and Customer identity for ART Housing Finance.

Rajesh Asnani- VP -National Sales Head - Retail HL & LAP

Rajesh Asnani has over 18 years of experience, in setting and scaling up Retail Lending and Finance Businesses. He has contributed in building up extensive operations, crosswise over different retail resources like Loan Against Property, Business Loans and Machine Loans, along with P&L and business accountability for the entire Western region, in his initial years. He has been in various strategic roles at Reliance Capital, Intec Capital & Indusind Bank, in the past. At ART Housing Finance he is responsible for setting and scaling up the business operations across all regions.

Anshuman Singh - VP - Head - Policy, Risk and Digitisation

Anshuman  is a PGDBM from Birla Institute Of Management Technology topped by an advanced PGMP from Indian Institute of Management - Calcutta, possess over 16 years of multidisciplinary experience in Sales Development, Policy Formulation, Product Management, Analytics & Risk Management & Strategic Planning revolving around retail assets & branch banking.

With cross functional experience in Retail Assets, Branch Banking, International Trade & SME Finance in different functional roles he has in-depth comprehension of the target segment & detailed aptitude of Retail Asset Life Cycle including Credit Under-Writing & Process Management.

Anshuman contributes in building a healthy portfolio at ART Housing Finance inside the satisfactory hazard along with spearheading the new projects & initiatives. Prior to ART Housing Finance, he has worked with renowned brands like Intec Capital Ltd, HSBC Ltd and ICICI Bank Ltd.

Dominic Vijay Kumar - DVP - Head IT

Dominic is an Electronics Engineer with over 18 years of experience in IT, Project Management and Application Management. He has an enviable track record of creating strategies to introduce and implement new technology initiatives, administering budgets and managing globally placed stakeholders. He plays a critical role in ART Housing Finance to Automate and Digitise the complete lending & servicing system.

He has been in various strategic roles at Max Ventures Ltd, Vana Retreats Pvt Ltd (affiliated to Max India Ltd), Kingfisher Airlines Ltd, Air Deccan Ltd & The Oberoi Group.

Sanjay Jaiswal - DVP - Head HR & Administration

Sanjay possesses 11 years plus experience in HR domain, with rich exposure in all facets of Human Capital Management. Sanjay brings with him wealth of experience in HR within the Financials Services sector as well.

Post his career break in Telecom Industry as an MT with Spice Telecom, Sanjay has entirely been associated with the BFSI. He has worked with leading financial institutions like Bajaj Capital, IndusInd Bank and Landmark Insurance Brokers. As the HR Head, he is committed to creating one of the best human capital pool companies and also to make ART Housing Finance a Great Place To Work.

Vikas Rana - DVP - Head -Operations and Customer Service

Vikas is a Finance professional with over 13 years of experience in the NBFC sector with specialization in various verticals of Operations and Loan Life Cycle Management. In his previous assignments he has played various important roles at CitiFinancial Consumer Finance India Ltd and Intec Capital Limited ensuring optimal delivery as per the organisational goals.

At ART Housing Finance he is responsible for managing the critical Operations vertical, making it a centre of excellence for sustained growth.

Ritika Sati - DVP - Company Secretary, Head Compliance & Corporate Legal

Ritika is an Affiliate of ICSI and a Law alumna with over 12 years of experience in Insurance, Banking & Finance Sector. She has played vital roles at Berkshire India Limited a Berkshire Hathaway Inc.’s venture and Delhi Stock Exchange Limited.

She carries with herself a profound understanding of all Regulatory, Control & Legal frameworks under various laws like Corporate Laws, IPR, IRDA, NHB, SEBI.

At ART Housing Finance she acts as an advisory to the Board of Directors and Senior Management on good governance practices and compliance of regulations and guidelines under applicable statutes.


Alok Srivastav - DVP- Zonal Business Head - North

Alok Srivastav is a Post Graduate in Marketing with proficiency in retail Lending and Distribution. With an experience of over 12 years, he is a specialist in Business Development, Team Management, Project Management, Strategy Alliances and Formulation. In the course of recent years, he has worked on a spectrum of secured products (Mortgage and Vehicle Loans). Prior to his association with ART Housing Finance, he has been associated with GE Capital, ICICI Bank, Dhanlaxmi Bank, Indiabulls and Intec Capital.

Vikram Nanaiah - DVP- Zonal Credit Head-Delhi NCR, UP, Haryana & Maharashtra

Vikram Nanaiah is an MBA with major in Finance. He is a seasoned credit professional with over 9 years of experience in credit and branch banking, with interests skewed to Mortgage Finance. He has worked with Lakshmi Vilas Bank for six years, which he joined as a Probationary Officer and successfully rose to the level of Branch Manager. Having exposure to Northern and Western India markets, specifically Delhi NCR, Haryana, and Mumbai, Vikram aims at adding value to ART Housing Finance, with his rich experience in Credit Analytics & Risk Management.