Important : Loans originated, booked and serviced by Aditya Birla Housing Finance Limited and all loans at the sole discretion of Aditya Birla Housing Finance Limited.
Management Team
Shekhar Ramarajan

Head, Risk

Shekhar Ramarajan is the Head - Risk for ABHFL. In this role, Shekhar is responsible for managing the entire Risk function for ABHFL. This includes developing the systems for risk analysis for credit proposals, risk mitigation & documentation, sanctioning the loans & ensuring effective portfolio monitoring during the credit life cycle.

Shekhar has been associated with the Aditya Birla Financial Services Group since June 2012 & in his immediately previous role was heading the Risk function for Mortgages at ABFL where he was instrumental in setting up the Risk Team, Risk processes, Loan Origination System & managing a portfolio of INR 4000 CR with NIL NPA.

Before joining ABFL, Shekhar worked with Kotak Mahindra Bank Ltd. where he was handling multiple roles ranging from Location Credit Head to Real Estate Syndication. He was also the National Credit Manager for their Loan Against Property (LAP) portfolio where he was responsible for appraising & assessing risks for loans under the LAP & Overdraft products & was also responsible for finalizing policies and setting up processes for quality underwriting.

Shekhar has been in Real Estate lending since 2003 & has an experience of more than a decade encompassing origination, underwriting & syndication and has a proven track record of building quality portfolios. Prior to Kotak Mahindra Bank Ltd., Shekhar was with Standard Chartered Bank, ICICI Bank Ltd. & Voltas Ltd.

Shekhar holds a B.Com Honours degree from University of Calcutta (St. Xavier's College, Kolkata) & is a member of the Institute of Chartered Accountants of India.
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