PAY EMI

Our People

OUR PEOPLE
Pavel Maco
Chief Executive Officer

Pavel Maco joined the Home Credit Group in Kazakhstan as Chief Financial Officer in 2009 and was later appointed Chief Executive Officer of the country in July 2010. In September 2013, Pavel moved to India to head the country’s operations of the company as Chief Executive Officer. At Home Credit India, he has lead the team through its start-up challenges and has played an instrumental role in the roll-out of operations to various cities across the country. Prior to Home Credit, Pavel worked at VAB BANK, Kiev, Ukraine as Chief Financial Officer and Deputy Chairman of the Board of Directors. 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.

Pavel studied Industrial Electronics from the Novosibirsk State University, Novosibirsk, Russia and holds an M.Sc degree in Accounting and Systems Engineering from the Czech Technical University, Prague. He also holds an MBA degree in Finance and General Management from the Katz School of Business, University of Pittsburgh, USA.



Rajeeb Ranjan Mallick
Chief Corporate Affairs Officer

Rajeeb Ranjan Mallick joined Home Credit India in July 2015 with almost three decades of rich corporate experience across Corporate Relations, Business Development, Legal, Exports, Manufacturing, Accounting, and Institutional Sales. At Home Credit India, he is Chief Corporate Affairs Officer and will play a critical role to develop and nurture key corporate relationships.

Prior to Home Credit, Rajeeb has held the positions of Director - Government Relations & Regulatory Affairs at International Paper, Director- Public & Regulatory Affairs at Alstom India Ltd. and Resident Director at Ashok Leyland Project Services Ltd. In the past, Rajeeb has also worked with Herbalife International, Diageo India Pvt. Ltd. and Tata Engineering and Locomotive Co. Ltd. He holds a Post Graduate degree in Management (MBA) from the Xavier Labour Relations Institute, Jamshedpur, India, a degree in Law (LLB) from Delhi University, India as well as a Bachelor’s Degree in Engineering.



Artem Popov
Chief Sales Officer

Artem Popov joined the Home Credit group in Russia in July 2007. Since then, he has contributed to the success of the Sales function and headed the Active Sales & Agency Network, Consumer Loan Strategy Department and the Alternative Distribution channel. Artem has led significant projects that helped Home Credit achieve market leadership in Russia. He was appointed CEO at Home Credit Express, the Microfinance arm of Home Credit Russia in June 2015. In February 2016, Artem moved to Home Credit India as the Chief Sales Officer. With his rich experience of POS Loan distribution business from Home Credit Russia, Artem will lead a power-packed Sales network across the country, motivating them to go the extra mile to fully utilize potential of Indian fastest growing POS business market in the world. Artem graduated with honor in Economics & Management from the Saint-Petersburg State Institute of Technology (Technical University), Russia.



Mariusz Dabrowski
Chief Financial Officer

Mariusz Dabrowski joined the Home Credit Group in June 2016 as Chief Financial Officer in India. With over two decades of experience in all aspects of financial planning & analysis, treasury, accounting, auditing, financial and risk management. Mariusz has experience across retail, consumer finance & banking sectors. At Home Credit India, he is responsible for financial planning and analysis, accounting, procurement and treasury functions. Prior to Home Credit, Mariusz worked as CFO with IPF Group(Provident brand), across Poland, Spain and Bulgaria. He also worked in leadership positions with ING Bank and KPMG across different departments within Finance. Mariusz holds an MBA degree from The Canadian Executive MBA Program.

 



Marcin Trusz
Chief Risk Officer

Marcin Trusz joined the Home Credit Group in April 2016 as Chief Risk Officer in India. His key areas of responsibility include underwriting, anti-fraud and collections and he will play a critical role in supporting dynamic but healthy business growth. Prior to Home Credit Marcin was the Division Head at SGB-Bank S.A., Poland, responsible for setting up of the Credit Center, credit process optimization and customer level risk management. Prior to that Marcin was the Management Board Member at one of the Ukrainian consumer finance market leaders, Idea Bank, responsible for risk management, underwriting and IT.

Marcin holds post-graduate diploma in risk management field from the Warsaw Banking Institute, Poland. He also holds three Master’s Degrees: in Quantitative Methods and Information Systems, in Finance and Banking (both from the Warsaw School of Economics, Poland) and in Law (from the Warsaw University, Poland). In 2015 Marcin obtained the Professional Risk Manager (PRM) designation from the Professional Risk Managers’ International Association (PRMIA).



Tomas Hrdlicka
Chief Marketing Officer

Tomas Hrdlicka is a passionate business leader with strong focus on customer experience and operational efficiency. He has joined the Home Credit India team as a Chief Marketing Officer in March 2016 with a fifteen year background in marketing, sales & care operations and numerous fast developing start-up companies. Prior to Home Credit Tomas was a Head of Product and Business development in Provident Financial, a member the International Personal Finance Group in UK. His former positions include a Commercial Marketing Director in O2 Telefonica in Slovakia and a Director of Product & Pricing, and Sales & Care Operations in Vodafone Czech Republic. Tomas studied at the Czech Technical University in Prague and acquired an executive MBA degree from the Central European Management Institute.



Vijay Dhingra
Head, Legal

Vijay Dhingra joined Home Credit India in 2014 with varied experience of over a 12 years in the fields of Corporate Governance, Compliances and Legal affairs. Prior to Home Credit, Vijay was part of the Legal & Secretarial Team at GE Capital Services, India, where he was responsible for compliances and legal matters of the company. He was also associated with entities like HSBC and IFCI Factors (An IFCI Ltd. Group company) wherein he was involved in setting up compliance structures, legal and secretarial compliances and filing of offer documents with Securities and Exchange Board of India (SEBI). Vijay is Graduate of Law and an Associate Member of the Institute of Company Secretaries of India (ICSI).



Manish Kaushik
Head, Security

Manish Kaushik joined Home Credit India in 2013 with a rich experience of over 16 years in Security & Fraud Risk Management. He leads a team that is responsible for financial crime prevention and operational risk mitigation including fraud policy, prevention strategies, detection and investigations. Prior to Home Credit Manish worked with GE-SBI Cards, where he successfully achieved the lowest loss-ratio in the industry.

Manish is the Chairman of Industry Forum for Fraud Prevention (IPCRC -North India) and is often invited to speak at conferences and industry forums.



Milan Urbasek
Chief Operations Officer

Milan Urbasek has been working with the Home Credit Group for over six years and currently leads the Operations team at Home Credit India. A seasoned professional, he has led the company’s expansion to multiple cities across the country and is responsible for the client verification process, Customer Care, Registration team and Payment channels. Prior to Home Credit India, Milan has managed a Business Applications unit in Home Credit Bank Kazakhstan and later was appointed Director of Quality Management in the country. Before joining Home Credit, Milan had nine years’ experience with IT consulting organizations like Adastra s.r.o, and Aquasoft spol. s.r.o. He is a trained Six Sigma expert and holds Ph.D. in Informatics from Technical University, Berlin, Germany.



Jindra Háchová
Chief HR 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.



Simran Soni
Chief Customer Experience Officer

Simran Soni joined Home Credit India in 2012 and has played a vital role in setting up of the training and operations functions within Sales. Through her time with Home Credit, she has not only been hands-on with all Sales processes, but also understood the ins and outs of the Operations, Collections, Underwriting and other functions. Simran has been appointed Customer Experience Officer for the organization effective August 2015 and is responsible for an in-depth understanding of the customer and enhancing their experience with the organisation at every touch-point.

Prior to Home Credit, Simran worked at  NIIT Limited as Manager – Training. She holds a degree in History Honors from Delhi University 


Sorin Stanciu
Head - CRM

With more than 15 years of experience in retail banking, Sorin Stanciu joined Home Credit India in May 2016 and is responsible for CRM (Customer Relationship Development). Before joining Home Credit, Sorin built his career in Romanian Savings Bank and Raiffeisen Bank Romania across Marketing, Credit Card Portfolio Management and CRM. His most important achievements are related to the success story of Raiffeisen Bank credit cards and implementation of the best in class CRM infrastructure and processes in Raiffeisen Bank Romania.

Sorin studied at Academy of Economic Studies in Bucharest where he obtained a Master’s degree in Marketing. In 2015 Sorin earned an Executive MBA degree from Kennesaw State University (USA).

 



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Our People

Home Credit India is Part of International Home Credit Group