Agrim housing finance board is constituted with an objective to have board members with diverse experience so that the board can exercise oversight on all areas of company operations and apply highest level of corporate governance.
An Engineer, MBA and a doctorate in Micro lending from XLRI, Malcolm has over 23 years of experience with Siemens and Tatas, Private Banks in ICICI Bank and Yes Bank, and MNC Banks in Scotiabank and Standard Chartered Bank. He is an expert in Mortgages, MSME, Digital lending & Fraud Control Measures. He has been instrumental in building books of $3 bn and $10 bn in his past 2 organisations at low default. His experience is primarily in retail loans specifically affordable housing loans, data analytics models and fintech. Malcolm is keen marathon runner.
A Chartered Accountant with over 23 years of experience in Risk Management, Treasury, Asset Liability Management, Capital Planning. ICAAP and Stress testing across India and Middle East with reputed banks like Barclays, DCB, IDBI Bank, Credit Lyonnais, Kuwait International Bank(KIB) Al Ahli Bank of Kuwait. He has been involved in digital transformation of banks, setting up Corporate Governance and Risk Appetite frameworks for banks and Enterprise Risk Management consultancy.
Mr Pinak Pani Maitra, a recipient of CFO of MENA region award in 2011 by ICA of England and Wales, from 2016 to 2018, he was named amongst the top Indian Business Leaders by Forbes Middle East. He was the group CFO with KIPCO, a Kuwait based conglomerate with Assets of US$ 40 Billion.
Anuja Saraf, is a Certified Public Accountant, Singapore, member of the Association of Chartered Certified Accountants, UK, and of the Institute of the Institute of Singapore Chartered Accountants. Anuja is based in Singapore; with over 15 years of experience in statutory Audit and taxation of various industries ranging from start-ups to listed Companies and provides advisory/consulting/mentoring/IFRS to Fintechs and Start-ups grow to a regional / global scale.
Anuja has a track record of setting best practices, mentoring and building strong teams in the industry, and she passionately believes in giving back to society, and is involved in many community development projects. Amongst others, she is founding member of a charitable company involved in the welfare of Migrant workers in Singapore.
Dr. Mohammad Mustafa is a distinguished civil servant and financial-sector reformer with over 25 years of leadership experience spanning government, banking, and development finance. A former Chairman & Managing Director of SIDBI and National Housing Bank, he has been instrumental in architecting key national initiatives such as Indradhanush, MCLR, ECLGS, and the Central KYC Registry.
Under his leadership, SIDBI achieved record growth, doubling profits and pioneering digital lending platforms for MSMEs and startups. He has also chaired institutions such as CGTMSE, RXIL, and NCGTC, advancing India’s credit guarantee and fintech ecosystems.
Dr. Mustafa continues to advise governments and global institutions on policy design, credit architecture, and institutional transformation. His expertise in affordable housing, MSME finance, and digital credit innovation strengthens Agrim Housing Finance’s mission of enabling inclusive and sustainable home ownership.
Yatinder Nath Khemka is a Fellow Member of the Institute of Chartered Accountants of India (ICAI) with over three decades of professional experience in finance, audit, corporate law, and governance. He is the Senior Partner at Samynk & Co., Chartered Accountants, and has held leadership positions across several professional and industry bodies.
He has served as Chairman of the Banking and Finance Committee of the Federation of Indian Industry, and has been actively involved in various ICAI committees including the Corporate and Allied Laws Committee and the Financial Market and Investor Protection Committee.
A thought leader in corporate and financial policy, he has contributed extensively to national discussions through his roles as advisor, arbitrator, and visiting faculty, and is frequently invited as a speaker and expert on economic and governance issues. His expertise spans banking, finance, capital markets, and corporate restructuring, bringing valuable insights to Agrim Housing Finance’s board.
Agrim housing finance board is constituted with an objective to have board members with diverse experience so that the board can exercise oversight on all areas of company operations and apply highest level of corporate governance.
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