We believe “For Every Borrower there is a Lender”, we help them to connect by use of technology. There is a huge opportunity to service consumer need for a loan uniquely, beginning with the loan need to connect to the right lender in quickest possible time for best of the loan terms possible.
A Loan Consumer primarily wants three things, Credible Information on Multiple Loan Choices, Smart Online Tools to Compare & Quick Delivery of Loan from Lender of Choice. Our mission is to meet this need in the loan market with innovative technology and lending solutions to Empower Loan Consumer, Enable Loan Distributors, Engage Loan Lead Sources like Builders for Home Loans and Connect to Lenders efficiently, keeping consumer loan need at the centre of our business objective.
WhatsLoan is Loan as a Service–LaaS, Mobile First Online Platform that provides Technology to Empower the Loan Consumer for Loan of Choice, Enable Loan Distributors to Service the Loan Need to offer an Enhanced Experience to Consumers across Locations, Loan Products and Lenders.
We offer a Loan Platform on the Mobile to the loan consumer for online exploration, comparison, selection for empowering consumer to ask for being serviced for a new loan and manage an existing loan for a replacement with low-cost alternative. Our Platform organises the loan distribution in the most efficient way by using technology, sales & credit tools while enabling existing conventional channels of loan distribution presently working with various lenders. WhatsLoan.com is the domain name of Home Equity India Private Limited, head-quartered in Bangalore. Our management team consists of experienced banking and technology professionals with prior careers in top banks and multinational companies such as CITI, Axis Bank & HDFC Bank.
Sujan Sinha, a graduate with Honours in Geology from Presidency College Kolkata,currently settled in Mumbai with his family post his retirement from Shriram Housing as MD and CEO. He is a senior retail banker and consumer lending specialist ,served State Bank India in management grade before joining the private sector. His last assignment was as MD & CEO of Shriram Housing Finance Limited for last 7 Years.
Prior to that,from 2002 to 2010, he was one of the important members of the core retail banking senior management team of Axis Bank for setting up and heading the retail consumer lending business of the bank, including the retail mortgage business. He has deep experience and exposure to retail consumer lending, retail banking , mortgages, including MBS, ABS and other secondary market transactions. He has led the entire suite of the consumer and retail lending business of Axis Bank including ownership of Product, Policies, Processes, Compliance and Systems. He has set up the distribution channel for the bank on the consumer lending side, including being responsible for the senior management team recruitment. He was on the boards of leading NBFC representing Axis bank’s interests. He was actively involved in representing the bank for setting up first of the credit bureaus in India. His last assignment was with Shriram Housing Finance Limited, a subsidiary of the Shriram Group’s flagship company, Shriram City Union Finance Ltd., a company he helped establish in 2010. This company is making its presence felt in the affordable housing finance and mortgage space, especially in the Tier II and III geographies. In this short span of time Shriram Housing has been able to set up more than 100 physical customer touch-points spread across 17 states in India with more than 900 employees. In his career of 35 years in the banking and financial services industry, starting with a large PSU , working in private sectors banks , finance companies he has built and managed large portfolios of consumer lending handled business cycles effectively with least collateral damage to the loan portfolios built during his time .
Timmana a mortgage & retail banker with more than 20 years of experience specialised in consumer loans. He has worked with Axis Bank in Retail Consumer Loans across all functions for nearly a decade handling, business, credit, product at Regional, Zonal & National Level. Prior to this, he has worked in investment banking, corporate banking, consumer loans & housing loans.
Vidya is a Retail Banker with more than 10 years of diversified experience in consumer retail loans: business strategy, channel management, vendor management, loan operations, customer loan cycle management, customer care and compliance management. She has worked with CITI Group and HDFC Bank with a high focus on results & processes in customer centric environment.
Ajay Kumar, has more than 20 years of domain expeience in Retail Banking , BFSI, he is Commerce Graduate and PG in Portfolio & Investment Management from IIM, Bangalore, He brings his deep market and product knowledge to Head our Business.
He has expertise in managing key functions of Banking in Branch Banking, Wealth Management, Retail Assets, SME, Corporate Finance Credit, Compliance, Risk Management, Stressed Assets Management and Distribution of Investment products – Mutual Funds, Bonds & Insurance – Life & General.
He has held leadership roles across leading private sector banks in delivering rapid business growth in emerging & mature markets, specializing in Client Acquisition, Distribution and P&L Management.Skilled in balancing scale and profitability, exposure to various phases of business cycles at diverse organizations – ICICI Bank, Kotak Mahindra Bank, Dhanlaxmi Bank with Regional and Zonal Positions.
Manju, has been in retail lending, retail banking and insurance business from more than 20 years working with Weizmann, HDFC Bank, Reliance Life Insurance and Canara HSBC Life Insurance for more than a decade . He heads our institutional and channel business with his wide network of contacts with banks and financial institutions and auto dealers.
Dharma, an MBA is result oriented professional with 20 years of experience in Banking and Financial Services worked with ICICI Bank, AXIS Bank, IDFC First Bank and Jana Small Finance Bank.
Now he is part of WhatsLoan as Business Head of AP and Telangana to extend his banking expertise to develop our business.
Shridhar , an MBA has over 20 years experience in BFSI, in Consumer Retail Lending. He has exposure to geographies across the country, hands on experience in building and enhancing financial distribution network All India. He has worked with HDFC ERGO General Insurance co for 15 years in different roles at Zonal and National Roles. Prior to this ,he has worked with Kotak Mahindra Bank in Housing Loans & Car Loans.
Anil, a post graduate a banker with more than 30 years of experience in consumer branch banking, transaction banking consumer retail loans and MSME Loans. He has worked with State Bank Group , IDBI bank and Axis Bank in Retail Consumer Loans across all functions more than 15 Years handling, business, credit, product at Regional, Zonal & National Level.
Prateek has a total experience of around 14 years in banking Sector. Prateek has worked major banks like Amex, HSBC and HDFC at different levels His major stint was with HDFC in Retail Liabilities and has a vast experience across Products and services .His last assignment with HDFC bank was as Branch Head.-Retail Branch Banking.
Aditya, an Engineer by education, has been with the Lahari Music Group for over 4 years. He has held the position of Vice President Digital Marketing, spearheading the entire marketing portfolio for the Group. He is the CEO of a promising transport and logistics start-up. He comes with effective leadership skills and a knack for recognising trends in technology used for new age ventures.
Chandru is next generation leader in Lahari Music Group, based in Bangalore, a leading South Indian Music Label with 40 years in existence with more than 50% market share across 4 languages, covering all genre of music. He has been instrumental in bringing about a change convincing his family managed group to transform from physical format to digital format to foray into new revenue streams from the digital world.
Anand is a marketing and BFSI veteran,with early on exposure to sales,branding, marketing,e-commerce,remittance and payment space with MNCs and multinational banks.He has been a top leader in India,South Asia,South East Asia and Middle East.Presently he is pursuing organic farming of varied crops at Dharwad,Karnataka,India.He brings international experience to our consumer and MSME lending platform as an advisor.
Krishna has more than 30 years of experience with PSB as well as private sector banks in retail banking. He handled roles at all levels, across the geographies both in distribution and support functions with deep understanding of customer needs and preferences. His longest stint was with Axis Bank for about 14 years where he was Senior Vice President and National Head for Retail Channels when left.The later two assignments as COO-Chief Operating Officer for a Small Finance Bank and a Payments Bank provided rich exposure in setting up new banks, building policy, product and process compliant to regulation and for great customer experience.
Ananth, an MBA is domain expert and consultant in Retail Operations with a demonstrated history of working in the banking industry. Skilled in Banking, Account Reconciliation, Accounting, Customer Relationship Management (CRM), Digital Banking Operations and Loans. Strong Professional in Banking operations with a Master of Business Administration (MBA) focused in Finance and Marketing. He has worked with leading banks: Kotak, Axis and IDFC Bank over last 20 Years.
Abhinav is a Financial Risk Management professional with core expertise in Quantitative Finance, Cross Asset Valuation, Portfolio and Risk Management and Financial Technology. In these areas he has successfully supported global tier-1 investment banks and hedge funds.
He holds a Masters in Risk Management from New York University Stern School of Business and a Bachelors of Engineering in Information Technology. Furthermore, Abhinav is a Certified Capital Markets and Investment Banking Operations professional.
He brings his global financial product and risk experience to build products for the company.
Christoph’s core expertise lies in the areas of Risk Management, Regulatory Compliance, Investment Advisory, Valuation & Modelling, and Actuarial Management. In these areas he has successfully supported global and local banks, insurers, and asset managers.
Christoph is a CFA Charterholder, and earned his Master of Business Administration with major in Investment Banking & Wealth Management in Dubai and Singapore. Furthermore, he holds a Masters in Financial- and Actuarial Mathematics.
His exposure to European, UAE and East Asian Markets brings global perspective to business development to the company.