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Experts From
Around The World

For a business like ours, it is very important for people in our organization to have expertise in the job they have been assigned to. Though everyone at Home Credit India is an expert at what they do, here’s a small introduction of our leaders.

Ondrej Kubik

Chief Executive Officer

Artem Popov

Chief Sales Officer

Anirban Majumder

Chief Finance Officer

Ankush Khosla

Chief Operations Officer

Marcin Artur Trusz

Chief Risk Officer

Marko Carevic

Chief Marketing & Customer Experience Officer

Martin Navratil

Head - Business Development

Milan Dolansky

Head- Online

Sandip Mallik

Chief HR Officer

Jayaprakash K

Head - CRM

Vijay Dhingra

Head, Legal

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.

Artem Popov

Chief Sales Officer
"Don't be busy with easy"

Artem Popov joined the Home Credit group in Russia in July 2007 and successfully led significant projects that helped Home Credit achieve market leadership in Russia.

In February 2016, Artem moved to Home Credit India as the Chief Sales Officer and brought along his rich work experience, which helped him develop a power packed sales network across the country. He has been perfectly coaching and shaping the Sales force team to lead consumer lending market in India.

Artem graduated with honours in Economics & Management from the Saint-Petersburg State Institute of Technology (TechnicalUniversity), Russia.

He believes in doing things differently than others and not being comparable in any dimensions.

Anirban Majumder

Chief Finance 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.

Ankush Khosla

Chief Operations Officer
'Success is not final. Failure is not fatal. It is the courage to continue that counts'

Ankush joined Home Credit India in January 2018 as Chief Operations Officer. Having 18 years of rich experience in analytics, process improvement and operations, he is a true believer of Passion, integrity and hard work.

He has done his previous assignment with iQor Inc., Philippines as Chief Admin Officer. Prior to that he has been associated with organisations like Global Vantedge and GECIS.

Marcin Artur 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.

Marko Carevic

Chief Marketing & Customer Experience Officer
"Everything will be okay in the end. If it's not okay, it's not the end."- John Lennon

With over a decade of global work experience, Marko Carevic joined Home Credit India in October 2016 and currently heads the two major functions within the organization - 'Marketing' as well as 'Customer Experience'. In his current role, he successfully strikes a balance between managing business objectives on one side and customer expectations & demand on the other.

Marko brings with him a rich experience in digital banking, business and product Management, service/customer-centric design, start-ups and customer relationship management (CRM). Before joining Home Credit India, he had worked for 8 years in Telenor Group on different assignments, including Telco and Banking industry. He was also involved in multiple cross-country initiatives in counties like Hungary, Norway and Thailand.

The biggest success in his career so far has been launching the first digital bank in his home country within a short span of 9 months, which later became the fastest growing bank in the region and is also the first bank fully owned by a Telco in Europe.

Marko's rule to success lies in not getting intimidated by any challenges that come his way, he instead believes in focusing on knowing the path to find the solution. The way he inspires all with his intelligence and dedication surely makes him an epitome of a true leader.

Martin Navratil

Head - Business Development

Martin has recently joined as Chief Business Development Officer (CBDO) at Home Credit India. In his role, Martin is responsible for designing strategic partnerships for Home Credit India with aim to grow the consumer lending business beyond the core PoS (Points-of-Sale) business. He will also be building the strategic approach towards Government Relations, PR and CSR in Home Credit India.

Martin holds an MBA degree from the INSEAD, France as well as Master in Business Economy and Banking from the University of Economics, Prague, Czech Republic.

A result oriented, passionate and an accomplished professional with a successful track record, Martin brings a rich experience of over 2 decades. He is a digital technology enthusiast trained in finance and management. Prior to Home Credit, Martin worked with Telenor bank a.d. (part of Telenor Group) as CEO and Chairman of the Executive Board where he successfully did full commercial launch of the digital bank in less than 9 month after the acquisition of KBC bank.

Martin is well versed with Czech (Native), English (Fluent) and Serbian (Practical). He is a family loving man with interests in Travel and photography, Cooking, Downhill skiing.

Milan Dolansky

Head- Online
'Don't quit. Never give up trying to build the world you can see, even if others can't see it. Listen to your drum and your drum only. It's theo ne that makes the sweetest sound'. - Simon Sinek

Milan Dolansky joined Home Credit India in June '17 as Head of Online with the aim to build online side of the business and bring Home credit to a digital age.

Milan has over 12 years of experience in making online strategies, analysing the scope as well as developing suitable electronic channels. His expertise lies in his project visualization from birdeye view, which helps to detail the project plan & also to analyse & shape further requirements. He believes that having a right team, doing your job with perfection and honesty, and making right decisions at the right time is the key to success.

His prior experience involves risk management, process management and business architecture which enhances stability and effectiveness ofdelivered projects. Milan has worked with CSOB, Absolut Bank, KBCGroup and many other leading organisations in the past.

Sandip Mallik

Chief HR Officer
Once you reach the top of the mountain, keep climbing!

Sandip Mallik joined Home Credit in June 2018 in India. He is a Chief Human Resource Officer and brings with him a rich global work experience of 25 years.

The biggest challenge and success in his professional career so far has been his 6 years of entrepreneurship prior to joining Home Credit when he successfully founded a fine art investment firm in Paris. He has also been associated with companies like Aviva, Emerson, GE and ICI in the past.

His rule to success lies in understanding the goal, agreeing on the outcome and committing to make it happen. He is now a part of Home Credit journey to build a profitable customer-centric Home Credit organization in India.

Jayaprakash K

Head - Customer Relationship Management

Jayaprakash K joined Home Credit India as CRM Head in 2018.

Jayaprakash is a senior business leader with close to 20 years of experience across diverse areas including CRM, Marketing, Digital, Analytics, Product Development, and Finance.

He was last associated with Cohen & Steers Capital Inc. as Head – Digital, CRM and Business Analytics (New York). Prior to that, he was associated with HSBC (North America) across several leadership roles with his last role as Head – Digital Marketing and Analytics.

Vijay Dhingra

Head-Legal

Vijay Dhingra joined Home Credit India in 2014 with varied experience of over 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.