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  • Balaji P

    Executive Director & CFO

    Balaji P

    Balaji has more than 17 years of experience in the areas of treasury operations, finance and accounting.

    He possesses a demonstrated record of success in strategic planning and execution, business finance and monitoring, financial risk management, audit and control.

    Balaji has had successful career growth and has worked in companies like SKS Microfinance and Cholamandalam MS General Insurance. Before joining Aptus, Balaji was working as the Vice President – Finance in SKS Microfinance – Asia’s No.1 Microfinance company wherein he was instrumental in putting in place processes and controls.

    Prior to this, he had a long career at Cholamandalam MS General Insurance handling Treasury Operations, Banking relationships, Business Finance and accounting. He has also worked for Hutchison Max Telecom Limited, Mumbai and The Bombay Dyeing and Manufacturing Company wherein he was responsible for managing forex exposures and raising funds from Banks and Financial Institutions. Balaji is a member of Institute of Chartered Accountants of India and was also part of the Business Leadership Program organized by the Murugappa Group.

    He has also undergone Executive Education Program in IIM-Bangalore.

  • Subramaniam G

    Executive Director - Chief Of Risk & Operations

    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 – Sales & Marketing

    Manoharan C T

    Manoharan has over 15 years of Experience in Housing Finance Industry. Prior to joining Aptus, he was associated with organizations viz Can Fin Homes and Dewan Housing in various capacities. He is well experienced in Credit Policy, Credit Appraisal, home loan Processes / Operations and Audit. He also has a thorough exposure of legal and technical framework pertaining to housing finance. He is managing a diverse range of operations entailing Sales & Marketing, Channel Management, 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

    Senior Vice President – Technical & Collections

    Sarath Chandran D

    Sarath Chandran has more than 18 years of experience in Housing Finance Industry. Prior to Joining Aptus, he was with Sundaram BNP Paribas 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 & Operations

    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).

  • 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.

  • 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.

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