Toll Free
Affordable Housing Finance

Management Team

Bharat Dhall - Chief Financial Officer

Bharat is a dynamic professional with over 20 years of vital experience in fields of Finance & Accounts, Treasury, Business Planning, Audits, Taxation, Compliances, MIS, and Loan management.

He is an MBA in Finance from ICFAI University and presently heading Finance & Treasury functions at ART Housing Finance.

Prior to ART Housing Finance, he has worked at Orix Auto Finance India, Deutsche Postbank Home Finance, and Dewan Housing Finance.

Puneet Jindal - Business Head

Puneet is an MBA from Birla Institute of Management and brings with himself a rich experience of 20+ years and majorly in the financial services sector.

At ART Housing Finance, he is responsible for setting and scaling up the business operation across all regions.

Prior to ART Housing Finance, he has worked with organizations like DMI Housing, Indiabulls Housing, ICICI Bank, HDFC Bank and BOB Housing.

Mahesh Adhikari - Chief Credit Officer

Mahesh is a senior mortgage professional with a proven track record with over 22 years of establishment of Mortgage business with his expertise in Credit and Sales function for Home loan, LAP and Affordable Housing Finance.

He has been instrumental towards setting up of branch network and framing of guidelines for Mortgage products, Credit and Risk policy parameters in addition to establishment of Collection and Delinquency Management mechanism.

He has a rich business acumen for Credit and Risk for both high and low tickets and has a record of unblemished services and achievement in the Mortgage sector.

He also possesses an excellent track record of driving large team and locations along with motivating them to generate higher productivity and results.

Mr. Mahesh comes with a very stable background and was associated earlier with reputed Organizations like LIC Housing Finance for more than a decade and also with Magma Housing Finance and Tata Capital Housing in his last assignment as National Credit Manager.

Dominic Vijay - Chief Technology Officer

Dominic Vijay, Electronics Graduate brings with him over 21 years of experience across Hospitality, Aviatation and Financial Services, centered around Innovation in Digital Technology, Financial Management, Business Solutions & Service Delivery, Portfolio & Program Management, Risk & Controls, and Information Security.

In his present role as the CTO of ART Housing Finance (India) Limited, Dominic is in charge of spearheading Business Technology Transformation and Digital Innovation strategy with a relentless focus on bringing future technology into the Housing Finance’s current technology stack.

Prior to that, Dominic Vijay was associated with brands such as The Oberoi Grp, Air Deccan, Kingfisher Airlines, Max Ventures, Vana Retreats in leadership roles, where he was responsible for building agile, robust, scalable and resilient technology platforms and processes, IT Infrastructure Solutions and Service Delivery.

Sanjay Jaiswal - Head HR & Administration

Sanjay possesses 16 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 - Head - Operations, Customer Service and Risk

Vikas possess 18 plus years of rich experience and exposure in all facets of Operations and Loan Life Cycle Management. He possess detailed understanding of entire life cycle of Retail Asset right from product conception, development, distribution, processes and sales management. He has hands-on experience of Operations Management, Loan Life Cycle Management, Customer Service, Risk Management.

Vikas is highly skilled in Risk Management, Automation of Systems & Processes and Audits.

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 organizational goals.

At ART Housing Finance he is responsible for managing Operations, Customer Service & Risk Vertical and making it a center of excellence for sustained growth.

Dushyant Sharma - Head - Collections

Dushyant is an self-motivated professional with almost 16 years of experience in strategizing, execution of operational plans and managing business processes for Debt Collections and Recoveries of Secured & Unsecured products.

His portfolio includes wide range of products like Home Loans & LAP, Passenger Cars, Used Cars, Commercial Vehicles, PLA, STPL, Consumer durables & TW loans.

He is an MBA/ Post-Graduate in Marketing and presently heading Collections function at ART Housing Finance.

Prior to ART Housing Finance, Dushyant has worked with GE Capital, Magma Fincorp, Tata Motors Finance and TVS Credit Services.

Jatin Singhal- Head- Fraud Control Unit

Jatin Singhal is a risk professional with over 11 years of experience in Financial Services. He has hands-on experience of Fraud Prevention & Monitoring in diversified products ranging Home Loans, Mortgages, SME Loans, Machinery Finance & Unsecured loans.

Jatin is highly skilled in Risk Management, Fraud Investigations, Financial Risk audits and Creation & Implementation of processes.

He has played a vital role in Risk Management and Fraud Prevention in his previous assignments.

Neeraj Sharma - Head - Internal Audit

Neeraj has more than 11 years of experience in the NBFC and Housing Finance sector with specialization in Internal Audit, Fraud Investigations & Risk Management.

He is a Postgraduate in Management with specialization in IT.

At ART Housing Finance, he is responsible for managing PAN India Internal Audit and Hind Sighting Department. Neeraj has played a major role towards process improvements and improving the turn-around time for various processes across functions.

Prior to ART Housing Finance, he has played vital roles in audit function at Religare Finvest Limited and FINO Paytech Pvt Ltd (Now Know as FINO Payment Bank).

Anoop Anand Sharma - Zonal Credit Head - Rajasthan

Anoop carries an Experience of more than 15 years in Credit Underwriting of diversified products ranging from Consumer Durables, Two-Wheeler, Personal Loans, Business Loans, Auto Loans, Used Car loans, Used Re-Finance Loans, Mortgages and Home Loans.

Anoop is a postgraduate in Management with dual Specialisation in Finance and IT. He has additionally completed DISM/ CIC and CAM Accreditation program in Computers.

Prior to ART Housing Finance, he has worked with reputed MNC’s and Banks including Citi Financial Consumer Finance Ltd, Fullerton India Credit Co Ltd, HDFC Bank Ltd, AU Financers Ltd and Satin Housing Finance.

Manish Jotwani - Regional Credit Manager – Delhi NCR, Haryana and U.P.

Manish is having rich experience of over 20 years’ experience in Credit, Sales and Collections in Retail Housing & Affordable segment.

Manish is a qualified MBA and having rich experience for building a healthy portfolio and presently he is responsible for Credit functions at Delhi NCR & Haryana.

Prior to ART Housing Finance, Manish has also worked in LAP and Unsecured market in previous association with Corporates like Reliance Capital, HDFC Bank, IDBI Bank and Tata Home Finance.

Maulik Sankla - Regional Credit Manager - Gujarat & Maharashtra

Maulik has over 20 years of experience in Credit and Retail Business lending of Home loan business. He upholds an experience of credit underwriting with diversified products ranging from Two-Wheeler Loan, Auto Loans, STPL Loan, Personal Loan, Business Loans, Mortgages and Home loans.

At ART Housing Finance, Maulik is responsible for Credit function at Gujarat and Maharashtra.

Prior to ART Housing Finance, Maulik has worked with MNC’s and Banks like Trans America Apple Distribution Finance Ltd, HDFC Bank Ltd, India Bulls Credit Services Ltd, Fullerton India Credit Company Ltd and Religare Housing Development Finance Corporation Ltd.

Bal Mukund- Zonal Sales Manager- Delhi, Haryana and Maharashtra

Bal Mukund is a mortgage professional with a proven track record with over 16 years of experience in Mortgage business with expertise in Sales function for Home loans, LAP and Affordable Housing Finance.

He also possesses an excellent track record of driving large teams along diverse locations and motivating them towards generating higher productivity and results.

Mr. Bal Mukund comes with a very stable background and was associated earlier with reputed Organizations like Edelweiss Housing Finance, L&T Housing Finance and Hinduja Housing Finance.