Our people are key to the success of our business and the backbone of our localised approach and it is a crucial component of Home Credit's values to ensure our employees progress within the company and to share innovation and best practice across the group.

Our local management team receives broad support from the experts at the global Home Credit headquarters and this is the team that we believe will be successful in growing the business in India through their experience and expertise:

pavel1Pavel Maco-CEO 

Chief Executive Officer

Pavel Maco joined Home Credit Bank, Kazakhstan as Chief Financial Officer in 2009 and was appointed as Chief Executive Officer in July 2010. He was appointed as CEO in India in Oct 2013. Prior to joining Home Credit Group, he spent a year at VAB BANK, Kiev, Ukraine as CFO and Deputy Chairman of the Board of Directors, where he was responsible for the financial management of the bank, with a primary focus on cost control. He previously spent ten years at GE Consumer Finance, based in the Czech Republic, Ireland and Russia in senior roles focused on finance and operations management.

Mr. Maco studied Industrial Electronics at Novosibirsk State University, Novosibirsk, Russia and also holds an MSc in Accounting and Systems Engineering from Czech Technical University, Prague and an MBA in Finance and General Management from the University of Pittsburgh's Katz School of Business in the U.S.

Jaroslav Gaisler 

Deputy Chief Executive Officer

Jaroslav Gaisler, Deputy CEO of Home Credit India, has 18+ years of Leadership experience including 15+ years in Consumer Finance/Banking in growth, business transformation, and acquisition situations across over a dozen of countries. He is recognized as a leader who partners with management in Finance, Strategy and Operations to deliver optimum returns. Jaroslav has proven track record of identifying and executing innovative financial strategies that deliver better bottom line performance through the cycles. His previous assignment with Home Credit Group was Head of Investor Relations and FP&A, prior to joining Home Credit Jaroslav spent 11 years with GE Money in Europe, US and Asia in various roles as Director of M&A and Business Development, CFO, and multiple FP&A leadership roles.

Jiri Soukup 

Chief Financial Officer

Jiri has joined Home Credit in 2012 as Chief Finance Officer after 12 years track record of finance management and controlling in international corporations such as Tesco Stores, DHL Information Services as well as private equity Penta Investments and Grafton Recruitment. His carrier covers various international projects in finance processes optimization and implementation across region of CEE, outsourcing of telecommunication and IT services for regions of Europe, North and Latin Americas, EMEA and Asia Pacific and startup of virtual mobile phone operator in Poland, and graduated from Faculty of Economics, Masaryk University, Brno, Czech republic.

Vlastimil Hrabal

Chief Operation Officer

Vlastimil has joined Home Credit India in October 2012. Before Home Credit he had worked on various positions in Lean Six Sigma and Project Management Office for biggest international insurance companies like ING and RSA. During his tenure with ING & RSA he was mainly responsible for Operations, where his focus area was cost optimization, processes streamlining, and increasing of customer satisfaction. In Royal Sun Alliance, he was pledged for optimization of whole Operations department in first Czech online insurance company. He is experienced in building "Green field" department as well as leading big scale departments. In Home Credit India, Vlastimil is responsible for Operations department which includes Client verification process, Customer Care, Registration team and Payment channels, He holds Master degree from University of Economics, Prague.

Manu Pal

Chief Strategy and Marketing Officer

A Chartered Accountant by qualification, Mr. Pal has amassed a rich career spanning over 15 years in various sectors including Retail Banking, Commercial Finance, Insurance and Healthcare in both mature and emerging economies. He is responsible to establish the Marketing function for the India business. His scope encompasses Marketing, Market Strategy, Market Research, Branding, Cross Sell, Product Management and PR & Communications. Prior to this, he successfully built the Sales network for India Operations. Before that he also served as the interim CMO and Head of Customer Relationship Management with GE Money Bank and was responsible for managing the integrated Customer Relationship Management (CRM) segment, encompassing direct marketing, lifecycle management, channel management, customer analytics and related technology infrastructure across the Personal and Commercial banking, Sales Finance and Auto product segments in the Czech Republic

Tomas Dudasko

Chief Information Technology Officer

Tomas is a highly experienced IT professional who has been working with the Home Credit Group for 6 years. Before joining the Indian team, he worked at the global Home Credit IT Centre in the Czech Republic, where he held positions of Oracle DBA Team Leader, Change Manager and IT Strategy and Development. During his career with Home Credit Tomas has been responsible for new country rollouts from an IT point of view, worked in Egypt and India from the beginning of the projects. Before joining Home Credit, Tomas worked for 5 years for GTS Novera as a Programmer responsible for the core retail billing system and Service provisioning system. Tomas graduated from Masaryk University, Brno, with a degree in Computer Science and Mathematics.

Vijay Dhingra

Head of Legal

Vijay brings along a varied experience of over 12 years in the fields of Corporate Governance, Compliances and Legal affairs of the Company. His last assignment was with GE Capital Services India where as part of Legal & Secretarial Team responsible for compliances and legal matter of the Company. He was also associated with entities like HSBC and IFCI Factors wherein he was involved in setting up compliance structures and filing of offer documents with SEBI. Vijay is Law Graduate and Associate member of Institute of Company Secretary of India.

Manish Kaushik

Head of Security

Manish Kaushik who joined Home Credit India in August 2013 with a rich experience of over 16 years in Security & Fraud Risk Management, fraud frameworks & policy, fraud prevention systems & strategy, prevention detection & major investigations - internal & external obtained within multiple product portfolios & channels.

He has successfully achieved lowest loss ratio in the industry, In his previous company "SBI Cards" his team was awarded as the best Fraud Control team and was given Leaders Award by VISA in 2013 for having best in class Fraud Management.
Manish is the Chairman of Industry Forum for Fraud Prevention (IPCRC -North India) and is Guest Speaker/Faculty for Fraud Conferences and Police Training Academies ,He also has the distinction of having worked for sales of products like Auto Loans, Personal Loans, Automobiles, Consumer durable and various financial products. He has managed wing to wing sourcing and approval processes for various retail assets therefore has a 360 degree view of challenges faced by the sales team and the fraud control teams in a competitive environment.
He is a valuable asset for us on our way towards achieving operational efficiency and minimizing any potential losses.

Milan Urbasek

Head of Quality Management

Milan is a seasoned professional who has been working with the Home Credit Group for the last 4 years. Before joining Home Credit India, he worked at Home Credit Bank in Kazakhstan, where he worked as Manager of Business Applications unit and later as Director of Quality management. During his career with Home Credit, Milan has been responsible for project Management, process Management, development and support of customized SW. Before joining Home Credit, Milan had experience of 9 years with organizations like Adastra s.r.o, and Aquasoft spol. s.r.o. He is a trained Six Sigma expert and holds Ph.D. Degree in Informatics from Technical University, Berlin, Germany.

Petr Jirat

Chief Risk Officer

Petr has joined Home Credit in 2013 as Chief Risk Officer. In his 10 years of track record, he has done fraud management and risk management in international corporations such as The Royal Bank of Scotland and ERSTE Group. His carrier covers various projects in Risk and Fraud optimization and implementation. During his tenure with ERSTE Group he was responsible for Portfolio analysis and monitoring, Credit line increase strategy, Credit risk policy and collection strategy. Petr has done Master of Science from University of Economics, faculty of international relations, Prague, Czech Republic.

Vishal Chopra

Head of Human Resources

A Graduate in Foreign Trade from Delhi University & a Post Graduate in HR from BVIMR, Pune, Vishal has accumulated experience of over 13 years in all facets of HRM / HRD in various sectors including BFSI, IT / ITES & B2B eCommerce. During his journey in the Corporate World Vishal has taken many challenging assignments like helping the Organizations in Ramping-up at a very fast pace, devising Talent Acquisition processes to hire Right Talent, building Organization's capability by developing Internal Talent, fostering Organization change & alignment of HR Practices with Business Objectives by deploying PCMM Framework to name the few. In his last assignment at Indiamart Intermesh Ltd. (India's No. 1 B2B Online Platform) he was responsible to Hire / Build Talent across India (21 Cities) & own all the Processes related to Talent Acquisition.