Further, for the growth of the business, Mr. Kapoor played a pivotal role in obtaining the Housing Finance License from NHB and establishing Banking lines with industry giants such as SBI, NHB, HDFC Bank, IDFC First Bank, Federal Bank, LIC Housing, Canara Bank, Indian Overseas, CSB Bank Bajaj Finance and TATA Capital, among others.
During his entire career, he has worked and led diverse functions like Sales & Distribution, Channel Management, Operations, Risk and Credit (Underwriting), Collections, and Finance.
Prior to his role at RHFPL, he served as the Executive Director of Capri Global Capital Ltd, a listed NBFC. In his professional journey, he held key positions in global giants such as American International Group (AIG), Citigroup, GE Money, American Express (AMEX), Siemens, Bharti AXA Life Insurance, and Godfrey Phillip.
In the swiftly changing scenario of the housing finance industry, Mr. Kapoor’s unparalleled vision, experience, decisiveness, inclusivity, adaptability, and ability to engage stakeholders assures a glorious future for the company and its stakeholders.”

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Before joining Roha, his most recent stint was with India Shelter Finance Corporation Limited. Throughout his extensive career, Mr. Joarder has contributed significantly to the field. He has managed large teams across India and played pivotal roles in renowned organizations such as Habitat Housing Finance Ltd., Lakshmi Vilas Bank, Deutsch Postbank Home Finance, Home Trust Housing Finance, and LIC Housing Finance. Additionally, he served as a Visiting Faculty at the National Institute of Banking Studies and Corporate Management (NIBSCOM), teaching key aspects of Mortgage Business.
His career is marked by strategic initiatives in Business Operations, Risk Management, and Regulatory as well as Statutory Compliances. His professional expertise includes developing Credit, Operations, Collections, and Recovery Manuals, along with digitizing credit processes, credit/risk policies, and credit scoring models.

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Mr. Pandey’s academic foundation comprises an MBA from the University of Pune, providing him with a robust knowledge base and the necessary tools to navigate the dynamic and ever-evolving financial services landscape.
In his most recent role at Tata Capital Housing Finance Limited, Mr. Pandey showcased remarkable skills in managing the Affordable Housing loan portfolio. This experience adds to a series of impactful assignments throughout his illustrious career. Notable among these are tenures at esteemed institutions including Aditya Birla Housing Finance, Aadhar Housing Finance, Fullerton India, and ICICI Bank.
Mr. Pandey’s expertise has consistently contributed to the growth and success of the organizations he has been a part of. His ability to manage portfolios, lead teams, and cultivate client relationships reflects a comprehensive understanding of the intricacies within the financial services sector.

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Before joining RHFPL, Mr. Agarwal has worked with several reputable organizations. Noteworthy among these are Citigroup, ABN Amro Bank, TATA AIG Life Insurance, Karvy Financial Services, Bajaj Finance, and Capri Global Capital.
His proficiency extends across a spectrum of areas within the financial landscape, including Branch and Centralized Operations, Customer Services, Systems Development/Implementation, Information Technology, Process Re-Engineering, Project Management, Financial Operations, Audit & Compliance, and Operational Risk Management. This broad skill set is honed through his involvement in multiple product lines, showcasing his versatility and adaptability in navigating the intricacies of the financial services domain.

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