Mr. Pavan K. Gupta is a seasoned housing finance professional with over three decades of experience in building, scaling, and transforming mortgage and affordable housing finance businesses across India. A strategic business leader, he brings deep expertise in business transformation, capital raising, balance sheet management, risk governance, technology-led operational excellence, and organisational development.

Prior to joining RHDFCL, Mr. Gupta served as Chief Executive Officer of Muthoot Housing Finance Company Limited for nearly nine years, where he led comprehensive business transformation, significantly strengthening profitability and asset quality. He successfully diversified funding profiles, secured successive credit rating upgrades, expanded the branch network substantially, and drove digitisation of lending, underwriting, and collections through technology-enabled initiatives.

His earlier career includes senior leadership positions at DHFL, Deutsche Postbank Home Finance, Birla Home Finance, Srei Infrastructure Finance, and SBI Home Finance, where he led regional expansion, managed large mortgage portfolios, strengthened portfolio quality, and drove profitable growth across diverse markets.

As MD & CEO of RHDFCL, Mr. Gupta provides strategic leadership to expand the affordable housing finance franchise, strengthen risk management and governance, enhance operational efficiency through technology, and maintain disciplined capital management. He is focused on building a resilient, customer-centric institution that expands access to affordable home ownership while delivering sustainable growth.

Mr. Gupta holds a Chartered Financial Analyst (CFA) qualification from ICFAI and has received multiple industry recognitions, including being named among India's Top 60 CEOs and most admired BFSI leaders.

Mr. Pankaj Rathi is a qualified Chartered Accountant and Company Secretary, holding All India Ranks in both disciplines, with over 15 years of experience in Banking and Financial Services. His expertise spans financial reporting, capital raising across equity and debt, mergers and acquisitions, balance sheet and treasury management, regulatory compliance, business strategy, and taxation.

Prior to joining RHDFCL, Mr. Rathi served as Chief Financial Officer at Grihum Housing Finance Limited, where he led the finance function through significant ownership transitions. He successfully raised diversified funding across debt instruments, spearheaded credit rating uplift strategy, and drove digitisation of finance and compliance platforms, resulting in improved operational efficiency.

His professional experience includes roles at Xander Finance, JM Financial Products, Karvy Capital, EY, and PwC, where he developed deep capabilities in financial reporting, audits, regulatory compliance, and strategic advisory within the BFSI sector.

As Whole-time Director and CFO of RHDFCL, Mr. Rathi oversees financial and operational performance aligned with strategic priorities. His mandate includes strengthening the financial architecture underpinning growth, building a diversified and cost-efficient funding base, maintaining capital adequacy and balance sheet discipline, and ensuring robust compliance with RBI and NHB frameworks. He plays a key role in enabling sustainable scale while reinforcing financial resilience and governance standards.

Mr. Rathi has been awarded Leading CFO of the Year, BFSI (FY24) by the Confederation of Indian Industry and recognised among 40 Under 40 Business Leaders (2025) by ICAI.

Mr. Arjun Lamba is the founder of Guardian Advisors Private Limited, a SEBI-registered Portfolio Management Services (PMS) firm set up in 2005. With over 23 years of experience in India’s capital markets, he has built deep expertise in equity investing and portfolio management. Guardian Advisors is among the oldest PMS providers in the country and focuses on managing investments for high-net-worth individuals and corporates focused on the Indian public equity markets. Before starting Guardian Advisors, Mr. Lamba worked with Span Investments and Kotak Securities.

Mr. Lamba also comes with extensive experience in mergers and acquisitions and has played a critical role in the acquisition of both Eveready Industries and Religare Enterprises on behalf of the Burman Family. Since September 2022 he has served as a Non-Executive and Non-Independent Director on the Board of Eveready Industries India Limited. He is also on the Board of KPH Dream Cricket Pvt. Ltd. which owns IPL team Punjab Kings, Care Health Insurance Ltd, Religare Broking Ltd., Religare Enterprises Ltd, Religare Finvest Ltd., Religare Housing Development Finance Corporation Ltd. and Religare Digital Solutions Ltd. Mr. Lamba holds a BBA degree from École Les Roches, Switzerland. He continues to guide investment strategy and contribute to business decisions and is actively involved in strategic initiatives and operational mentoring companies he is associated with. Mr. Lamba is passionate about long-term value investing and business turnarounds, reflecting his commitment to creating sustainable value for investors and stakeholders.

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Mr. R. Gurumurthy is a seasoned banking professional with 38 years of experience in India and overseas, having superannuated as Head of Governance at RBL Bank. His distinguished career encompasses leadership roles in corporate and institutional banking, wholesale banking, risk management, and governance across global and Indian institutions including Bank of America, Standard Chartered, and SBI. During his tenure at RBL Bank, he oversaw assurance, technology, operations, and credit functions, and headed Corporate & Institutional Banking during a transformational phase of the bank's growth. In other roles, Mr. Gurumurthy managed strategic client relationships and contributed to organizational development.

Mr. Gurumurthy's career achievements include building and leading transformation initiatives at RBL Bank post-2011, where he was instrumental in regulatory engagement and governance restructuring. Prior to this, Mr. Gurumurthy’s stint at Standard Chartered envisaged setting up and heading the FI Strategic Coverage Group. His academic credentials include a B.A. from the University of Delhi and certification as an Associate from the Indian Institute of Bankers. Currently, he serves on the Boards of Axis Capital Ltd (subsidiary of Axis Bank)., Simplex Infrastructures Ltd., Care Health Insurance Ltd., Religare Broking Ltd., Religare Enterprises Ltd., Religare Finvest Ltd. and Religare Housing Development Finance Corporation Ltd. Known for his collaborative leadership style, Mr. Gurumurthy enjoys mentoring teams and is an advocate for risk culture, integrated governance, and innovation in banking.

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Mr. Suresh Mahalingam is a seasoned business leader and executive coach with over 35 years of experience in strategy, marketing, and transformation across the BFSI and FMCG sectors. He brings over 15 years of board experience, having served on the boards of Principal AMC, Aadhar Housing Finance, Navi General Insurance, Pramerica Life, and PGIM India Asset Management. He currently serves as Independent Director and Chairperson at Aviva India, and is on the boards of Muthoot Housing Finance, Religare Broking, Care Health Insurance, Religare Enterprises Ltd., Religare Finvest Ltd. and Religare Housing Development Finance Corporation Ltd.

Mr. Mahalingam has held leadership roles at Tata AIA Life (as MD & CEO), HDFC Life, ITC, and as a member of the Group Council at WGC. He actively advises fintech, insurtech, and edtech startups, as well as private equity firms, and serves on various advisory boards. A certified leadership and transition coach, he is an alumnus of IMI India and the Advanced Management Program at Kellogg School of Management. Known for his people-first leadership and strategic clarity, he helps organizations navigate growth and transformation with purpose and impact.

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Mr.Dalbir Singh is a seasoned CFO and corporate leader with over 40 years ofdiverse experience in finance, taxation, audits, accounting, procurement, legalaffairs, and strategic business management. Demonstrated expertise in P&Loversight, business expansion, cost optimization, and operational efficiencyacross manufacturing and corporate sectors.

Heled financial, commercial, and legal functions at Max Specialities Films Ltd for nearly three decades, driving revenue growth from INR 100 crores to INR1,500 crores and managing key strategic transactions, including international joint ventures and divestments. Skilled in corporate governance, contract negotiations, regulatory compliance, and stakeholder relationship management.

Mr. Dalbir Singh’s academic credentials include a first class honours in Commerce and is a Fellow Chartered Accountant and Qualified Company Secretary. During this long span of work experience, he is known for delivering sustainable growth and strengthening organizational framework.

Mr. Tripathi is a retired IAS officer. During his illustrious career, as an IAS officer, spanning over 40 years in public service 1977 to 2017 December (including 5 years as Chairman - Public Grievances Commission & Police Complaints Authority), he held various key senior positions at State and Centre level such as Principal Secretary to Chief Minister, Govt. of NCT Delhi; Chief Secretary – Govt. of NCT Delhi; Joint Secretary - Ministry of Information & Broadcasting, Govt. of India; Director - Indian Institute of Mass Communication; CEO - Delhi Jal Board, NCT Delhi; Commissioner Sales Tax - NCT Delhi; Development Commissioner & Chief Electoral Officer - A&N Islands; Director Total Literacy Campaign (National Literacy Mission) - Department of Education, Ministry of HRD; Commissioner Land - Delhi Development Authority; Commissioner Excise & Entertainment Tax – NCT Delhi; Secretary - New Delhi Municipal Committee; Deputy Commissioner and Secretary to Lt. Governor in Arunachal Pradesh etc. He has also been on the Board / Governing Council of Indraprastha Apollo Hospital, Delhi Metro Rail Corporation, TATA Power Ltd., BSES Rajdhani Power Ltd., BSES Yamuna Power Ltd., Institute of Biliary and Livery Sciences, Delhi, and National Law School, Delhi.

Dynamism and human approach are the hallmark of his persona. He is known as committed professional having rich and varied experience. He has successful leadership and governance abilities, expertise in management and administrative matters, project execution and operational matters. His firm and tactful handling of sensitive and tricky issues has seen the organisation, with which he was associated, emerge a winner at all times.

Mr. Tripathi is a post graduate in political science from Allahabad University and a Gold Medalist for securing highest marks in political science at under-graduate level in the University.

Mr. Malay Kumar Sinha has done his B.A. (Hons) and M.A. from Delhi University in Humanities and M.Phil from Madras University in Strategic Studies.

He started his career as an Executive in TISCO, Jamshedpur and in 1981 joined the Indian Police Service. After serving in UP Police and IB, MHA, in different capacities, both in India and abroad, he worked as Joint Secretary in the MEA and finally as Secretary Security, Cabinet Secretariat, Rashtrapati Bhawan, from where he superannuated in September 2016.

He is an alumnus of FBI National Academy, Quantico, Virginia, USA and National Defence College, New Delhi. As Joint Secretary in the MEA he had led the evacuation of Indians in Bengazi area from the sea during the war in Libya in 2011. He has been a keen sportsperson and was Secretary of All India Police Sports Control Board for several years. He is a recipient of Police Medal for Meritorious Service and President’s Police Medal for Distinguished Service.