Mr. Sunil Kapoor
Managing Director & CEO
Mr. Sunil Kapoor, the Managing Director & CEO of Roha Housing Finance Private Limited (RHFPL), is a professionally qualified Chartered Accountant (May’1991) and Cost Accountant (December’ 1990), with over 30 years of experience, mainly in Financial Services Industry.
Mr. Kapoor is leading Roha Housing Finance since its inception in July’2017 and led the organization to achieve significant milestones. In the last more than 6 years, he has grown the company from launch to an AUM of more than 650+ crores, by creating a robust and efficient Business Model, spread across more than 75 Branches, in more than 60 Cities across 8 States.

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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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Mr. Soumyendra Joarder
Chief Risk Officer
Mr. Soumyendra Joarder, with nearly 35 years of hands-on experience in the entire spectrum of Home & Mortgage Business in India, brings a wealth of expertise in both Affordable and Formal Sectors. In terms of qualifications, Mr. Joarder holds a Graduation degree in Physics from the University of Calcutta and an MBA from IISWBM, Kolkata.

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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. Rajendra Gupta
Chief Credit Officer
Mr. Rajendra Gupta stands as a highly accomplished professional, boasting an impressive career that spans nearly two decades within the dynamic landscape of housing loans. Mr. Gupta holds a Post Graduate Diploma in Business Administration from SCDL, Pune.

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Prior to Roha Housing Finance Pvt. Ltd., he was associated with Ummeed Housing Finance Pvt. Ltd. as the Head of Risk for an impressive duration exceeding six and a half years. In this pivotal role, he played an instrumental part in not only the inception but also the implementation of crucial Credit Processes and Policies. Mr. Gupta’s strategic insights and meticulous approach significantly contributed to the overall success and growth of Ummeed Housing during this period. His journey includes significant contributions at renowned organizations such as PNB Housing, IIFL and Aavas Financiers.

His comprehensive understanding of risk management, coupled with his ability to navigate the complexities of underwriting in the affordable housing finance sector, showcases Mr. Gupta as a seasoned professional with a proven track record of excellence. His enduring commitment to driving impactful changes and fostering growth underscores his standing as a leader in the housing finance industry.

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Mr. Nawnit Kumar Pandey
National Sales Manager
Mr. Nawnit Pandey stands out as a seasoned professional, with an extensive career spanning over 18 years. His journey is a testament to his prowess in Sales Management, Team Management, Credit Underwriting, Business Development, Portfolio Management, and Client Relationship Management.

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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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Mr. Mrinal Agarwal
Head Operations & IT
Mr. Mrinal Agarwal is a seasoned professional with a career span close to 25 years in the Banking, Financial Services, and Insurance sectors. His rich experience encompasses various product lines within the Retail Consumer Finance Operations & MSME Lending space.
Mrinal’s educational foundation is anchored in his professional qualification as a Chartered Accountant.

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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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Ms. Vinita Jain
Head – Business Development & Strategy
Ms. Vinita Jain brings over 17 years of multifaceted experience in Financial Services, specializing in Assets Businesses for SME and MSME’s, including Affordable Home Loans, LAP, Channel Finance, and Retail Asset Loans. Her journey is marked by significant contributions and a diverse skill set.

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In terms of qualifications, Ms. Jain is a Chartered Accountant from the 2005 batch. She has further honed her skills with certifications as a Certified Analytics Professional from IIM Lucknow and the Kelly School of Business. Additionally, she holds a coveted certification from SAS for E-Miner Professional, showcasing her dedication to continuous learning and staying abreast of industry advancements.
Prior to her current role at Roha, Ms. Jain made noteworthy contributions at Capri Global Capital Limited. Her expertise played a pivotal role in the successful launch of Small Ticket Mortgage Loans and Affordable Home Loans businesses. She demonstrated proficiency in various facets of Product Management, covering P&L Management, Cross Selling, Marketing, Training, and Data Analytics.

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Ms. Arpita Banerjee
Chief Compliance Officer
Ms. Arpita Banerjee is a seasoned professional with approximately 13 years of comprehensive experience. Ms. Banerjee is a qualified Company Secretary and Law graduate, bringing a unique blend of expertise to the realms of compliance, secretarial, and legal functions. Her academic foundation, coupled with her extensive practical experience, positions her as a seasoned professional in her field.

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In her earlier assignments, Ms. Banerjee has served in key roles as Company Secretary, Legal and Compliance Officer across diverse sectors, including NBFCs, Asset Reconstruction Companies, Stock Broking Companies, and Mining companies. Notable among her accomplishments is her leadership in spearheading the compliance and legal functions for India Mortgage Guarantee Corporation Private Limited, Alchemist ARC, and BLB Limited.
Ms. Banerjee’s professional journey also includes significant contributions to Home Credit India Finance Pvt. Ltd. and Aditya Birla Group. In these roles, she showcased her proficiency in enhancing governance frameworks and compliance processes, demonstrating a keen understanding of regulatory landscapes such as RBI, NHB, SEBI, FEMA, and Corporate Laws.
Her expertise extends beyond the routine responsibilities of a Company Secretary, encompassing a strategic approach to legal and compliance matters. Ms. Banerjee’s ability to navigate and enhance governance structures underscores her commitment to ensuring robust compliance frameworks in alignment with regulatory standards.

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