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.

Vlastimil Hrabal

Chief Sales Officer

Vlastimil joined the Home Credit Group in 2012. Over the last eight years, he has worked in internationally renowned insurance companies where he managed projects in Operations and Sales. For the past two years with Home Credit India, Vlastimil has led the Operations department transforming it into a well-oiled engine. He leads the Sales network across the country today and holds a Masters degree from the University of Economics, Prague.

Magdolna Juridesz

Chief Financial Office

Magdolna Juridesz joined Home Credit in 2015 with over two decades of experience across financial services and consulting. At Home Credit India, she is Chief Financial Officer responsible for financial planning and analysis, accounting, procurement and treasury functions. Prior to Home Credit, Magdolna was Chief Financial Officer of CIB Bank (Intesasanpaolo), Hungary, responsible for 21 entities of the banking group including accounting, taxation, financial controlling, procurement and economists. In the past she has also worked with Citibank Hungary as Vice-President, Strategic Projects and Planning where she managed a wide variety of strategic projects for the CEO and was a member of the bank's Management Committee. Magdolna has also served as Chief Financial Officer of Hungarian Post Insurance Companies. Prior to that she worked with PricewaterhouseCoopers and began her career with Arthur Andersen. She has a Masters' degree in Economic Sciences from the Budapest University of Economics.

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 Operations Officer

Tomas has been working with the Home Credit Group for over six years, and has worked at the global Home Credit IT Centre in the Czech Republic as well as lead the IT team in India. Over the years, he has been responsible for rolling out projects across geographies such as Czech Republic, Egypt and India. As Chief Operations Officer at Home Credit India, Tomas is responsible for the Client verification process, Customer Care, Registration team and Payment channels. 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

Chief Roll Out Officer

Milan has been working with the Home Credit Group for over four years and currently leads the Roll Out team. A seasoned professional, he worked, as Manager of Business Applications unit and later as Director of Quality Management at Home Credit Bank in Kazakhstan . 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.

Jindra Háchová

Chief Human Resources Officer

With over a decade of experience Jindra Háchová joined Home Credit India in 2015 as Chief HR Officer. She leads HR team responsible for the HR strategy & operations, talent acquisition, learning & development, compensation & benefits and employee engagement. Prior to Home Credit, Jindra worked with Tech Data Distribution, s.r.o., ADASTRA, s.r.o. and Telefonica O2 in the Czech Republic. She holds a Master's Degree in Strategic Human Resources Management from the Masaryk's Institute/Sheffield Business School.

Martina Kadeřábková

Chief Quality Management Officer

Martina has over a decade of experience in project management, Business Process management and strategy. With the Home Credit Group for over a year, Martina heads the Quality Management team where she leads projects that aim to make business processes more efficient and effective. Prior to Home Credit, Martina worked as a Business Consultant with Greyson Consulting as well as with GE Money Bank in the Czech Republic. She holds a Master's Degree from the University of Economics, Prague, Czech Republic.

Tomáš Paukner

Chief IT Officer

With more than 14 years' of experience in Data Centre Management, Risk management, Facility Management, GSM and ICT systems migrations, integration, space diversity solution. Tomas leads the Information Technology team at Home Credit India. Prior to Home Credit, he worked at GTS Central Europe, Home Credit China and Vodafone. Tomas holds a Diploma in Power Engineering from Czech Technical University Prague, Czech Republic.