A Journey spanning
25 years and multiple countries


Home Credit India is a part of Home Credit Group, an international consumer finance provider which was founded in 1997 and has operations in multiple countries. Our responsible lending model empowers underserved customers with little or no credit history by enabling them to borrow easily and safely, both online and offline. With a commitment to drive credit penetration & financial inclusion, Home Credit entered the Indian market in 2012. Since then, Home Credit has served over 1.6 Cr+ customers in India.

  • 50000 employees
  • 53K+ Partner Shops
  • 1.6 Cr+ Customers
  • Presence in 625 Cities
  • Serving India Since 2012
  • Global Presence
Home Credit India in news Information for Investors

Your trusted shopping partner providing seamless financing
with great everyday deals!

  • Designed for everyone

    We always design our products and services by keeping first time borrowers in mind

  • Approachable

    You can easily approach us through our vast network of Points of Sale across India, via our mobile app and website

  • Simple & transparent

    We have a simple and completely transparent process for loan application

  • Safe

    We ensure complete privacy and customer safety through our modern infrastructure and secure online systems

  • Good everyday deals

    We bring value to our customers through partnerships with trusted names in the Industry

Leadership at Home Credit India

  • Ondrej Kubik


    Chief Executive Officer

    Ondrej Kubik brings with him years of rich and diverse experience in financial controlling, performance management, and financial consultancy and in business intelligence as well. Prior to joining Home Credit Group in 2008, he held various positions in the financial industry, both at commercial banks and investment traders. Over the last 10 years, he has had various strategic roles within Home Credit Group as a Business Intelligence Officer, as Deputy Head of Finance and Controlling in the Group's headquarters and as Country Chief Financial Officer in Kazakhstan (2010-2012) and in Belarus (2012-2014). In September 2014, Ondrej Kubik joined Home Credit Kazakhstan as the CEO.

    He has a master's degree in finance and commercial law from University of Economics in Prague and has a diploma from the CFO Academy in London. Mr. Kubik has been an ACCA Member since 2002 and a Chartered Financial Analyst since 2006.

  • Anirban Majumder


    Chief Financial Officer

    Anirban Majumder joined the Home Credit Group in December 2017 as the Chief Financial Officer in India. His major responsibilities include financial planning and analysis, accounting, procurement and treasury functions. He believes in being extremely focused and dedicated at his work so as to drive the desired results and improve the business for long-term operational and financial sustainability as well as success.

    Anirban holds a MMS degree from Jamnalal Bajaj Institute of Management Studies. Prior toHome Credit, Anirban spent 17 years with the General Electric group across Oceania, Europe, India, Japan and the USA in various roles covering auditing, controllership, as well as financial planning & analysis.

  • Ashish Tiwari


    Chief Marketing Officer

    Ashish joined Home Credit India in 2022. Prior to joining Home Credit, Ashish held leadership role in Future Generali India Life Insurance where he was responsible to drive comprehensive Brand & Digital transformation strategy. He has also worked with organizations like Hero Motors, JACPL, Vodafone, HCL & more. Ashish holds Digital & Social Media Marketing specialization from IIM, Bangalore, MBA from LBSIM, Delhi and B.Sc from Bareilly College, Bareilly.

  • Bhrigu Sehgal


    Chief Sales Officer

    Prior to joining Home Credit, Bhrigu was heading the BNPL unit in Bajaj Finance Ltd. He comes with 14+ years of rich experience in BFSi sector & worked with organizations like Bajaj finance, Kotak, yesbank and around 2 years experience in e-commerce organizations like magicbricks and quikr.com.
    Bhrigu has done his graduation from Delhi university and PGDBM from IILM, Delhi.

  • Esha Pruthi


    Chief Legal Officer

    Esha joined Home Credit India in July 2018 and has been an integral part of the growth journey of the organization.

    Prior to joining Home Credit, she was associated with tier-1 law firms AZB & Partners, Delhi for 10 years and with Wong Partnership, Singapore.

    Esha brings a keen focus on legal and compliance matters, necessary for ensuring that organization operates within the regulatory framework. She has extensive experience of working on a range of cross border and domestic transactions relating to acquisitions, joint ventures, private equity, debt financing, including project financing in infrastructure and energy sectors, structured finance and co-lending arrangements.

    She is committed to acting as a business facilitator, aligning legal expertise with business acumen to promote growth and strategy, while ensuring compliance.

    Esha has a LLM degree in Corporate and Financial Services Law from National University of Singapore

  • Harshita </br> Khanna


    Chief People Officer

    Harshita joined Home Credit India in November 2015 as Head of Total Rewards. She leads our people strategy comprising of internal communication, talent acquisition and management, employee lifecycle management, HR digitalization, and performance management and development.

    As Chief People Officer, Harshita brings with her over 13 years of comprehensive experience in reward strategy, performance management, as well as merger and acquisition, organization design and development, and a rich background in technology-driven, digital age companies. She holds a Hons. degree in Mathematics and a Master’s in Operational Research from University of Delhi.

  • Ladislav Simicek


    Chief Information Officer

    Ladislav Simicek has over 20 years’ experience in the banking sector with a strong background in strategic planning, building high-performance teams, implementing innovative technological solutions and continuous improvement programs. Prior to being appointed as CIO of Home Credit India, he was serving as COO & CIO at Home Credit Bank in Kazakhstan. In the past, he was associated with Hypotecni Banka and eBanka, a.s.
    He has a Master’s Degree in Information Technology and Management from Prague-based Banking Institute College. He is also a Microsoft certified solutions developer with a C++ certification.

  • Prosonjit Basu


    Chief CRM & Digital Officer

    With over 15 years of work experience, Prosonjit Basu is responsible for Corporate Strategy and Alliances at Home Credit India. His core responsibilities lie in leading and managing strategic partnerships with Fin Techs and Big Data companies.

    Prosonjit has been instrumental in contributing towards strategic business outcomes at Home Credit. His ability to lead cross-functional teams that collaborate as a focused unit, help the organization to achieve its business goals and drive the evolution of concepts into achievable business strategies.

    Prosonjit has had a distinguished career in Finance Industry with more than 10 years of experience holding eminent leadership positions in India. Prior to Home Credit, he was the Head - Corporate Strategy and Business Development at Bajaj Finance where he led the strategy team responsible for driving high impact central projects across the organization and the geo-expansion strategy for the organization.

  • Sameer


    Chief Risk Officer

    Sameer Katdare joined the Home Credit Group in 2020 as Chief Risk Officer in India. He comes to us from Standard Chartered Bank in Singapore and has over 20 years of experience as a banker across the Americas, South Asia and ASEAN. His expertise lies in managing credit risk, product, and operations functions across consumer and small business segments in direct-to-consumer, distributor-led, digital and branch banking set-ups.

  • Sarpreet Singh Benipal

    Sarpreet Singh

    Director-External Affairs

    'Relationship Building is more about ‘farming’ than it is about ‘hunting’. It is all about cultivating & nurturing meaningful relationships…'

    With over 3 decades of rich experience, Sarpreet is responsible for long-term reputation building and advocacy for PPF & Home Credit group in India. He is responsible for the Business Environment Management strategies and for conducting stakeholder management at the highest levels by developing & implementing effective engagement with key stakeholders to enhance meaningful relationships with high-level external audiences. 

    He is a well-respected speaker & BEM expert who led the first ever Indian Presidential Business Delegation to Prague during President Kovind’s maiden visit to the Czech Republic in September 2018. He holds key positions in various business forums and is the Chairman of Financial Services and Director in the European Business Group Federation.  

    He has a distinguished career in the India Army for more than 16 years post which he joined the corporate world and held strategically important positions at Airtel, Telenor Group, and Vodafone before joining the Home Credit Group in India.

    His journey to success rests in his ability to align the business environment and its intricacies to the long-term strategic objectives of the group. He now plays a critical role in shaping Home Credit’s journey in India through building meaningful long-term strategic relationships with relevant external stakeholders. 


Success Stories

  • |
  • A bike ridden is one among a crore dream fulfilled
    A bike ridden is one among a
    crore dream fulfilled

    There was a time when Sonu from Gurgaon used to spend over 2 hours in a bus and metro to reach the hair salon he works at, in Delhi. Riding on his own bike saves him 1 hour of daily travel time. Also, he and his wife can go out more often because of the two-wheeler. We are proud of such moments of joy and so many dreams fulfilled.

  • A dream fulfilled is watching IPL with friends on your own TV
    A dream fulfilled is watching IPL
    with friends on your own TV

    There was a time when Jitender used to stand outside restaurants and small shops with TVs to catch a glimpse of IPL matches He and his friends wished for the day, they could watch it together and support their favorite teams When Jitender finally managed to buy a TV, it was not only his dream that got fulfilled but also that of his friends We are proud of such moments of joy, and so many dreams fulfilled

  • Making 1 crore dream fulfilled on call at a time
    Making 1.6 Crore+ dreams fulfilled on
    call at a time

    Anjali is among the 1300 strong telesales team of Home Credit India. She understands and recognizes people who work hard to give their families the big and small things in life because she herself comes from a similar background. Like the customer who needed a loan to pay for his son's overseas education. Anjali got the loan approved and disbursed within 24 hrs.

  • Every delightful moment with a customer, took us a step closer to 1 crore dreams fulfilled
    Every delightful moment with a customer, took us a step closer to 1.6 Crore+ dreams fulfilled

    Santosh knows that customer is at the centre of everything we do at Homs Credit India. As a sales associate, he loves interacting with customers and offering solutions to their funding related problems. Like how he helped Vikram a swiggy delivery boy to buy a much needed smartphone at his first job. Santosh not only got him a quick loan, but also boosted his confidence. Customer Vikram couldn’t thank him enough and gifted him a box of sweets in gratitude.

Trusted by 1.6 Cr+ Happy Customers

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  • Jaaniye Kaise Ek Naye Phone Ke Saath Hua Travel Blogger Banne Ka Sapna Saakaar?

    Jaaniye Kaise Ek Naye Phone Ke Saath Hua Travel Blogger Banne Ka Sapna Saakaar

  • Naye Phone Ke Saath Banaya Apne Khaane Ko Hi Apna Career

    Naye Phone Ke Saath Banaya Apne Khaane Ko Hi Apna Career

  • Home Credit Ke Saath Naya Mobile Khareedkar Apoorv Ne Banayi Social Media Par Apni Ek Nayi Pehchaan

    Home Credit Ke Saath Naya Mobile Khareedkar Apoorv Ne Banayi Social Media Par Apni Ek Nayi Pehchaan

  • Dekhein Kaise Naya Mobile Khareedkar Madan Ne Badhai Apni Family Ke Saath Connectivity

    Dekhein Kaise Naya Mobile Khareedkar Madan Ne Badhai Apni Family Ke Saath Connectivity

  • Janiye Kaise Naya Mobile Le Aaya Mahesh Family Mein Raunak

    Janiye Kaise Naya Mobile Le Aaya Mahesh Family Mein Raunak

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