L&T Finance Executive and Leadership Team

Goel Asheesh, the Chief Executive Officer, Farmer Finance at L&T Finance, leads the strategic direction and operational execution for the farmer finance division. Asheesh directs the development and delivery of specialized loan products tailored to the agricultural sector, including tractor loans, agri-implement finance, and warehouse receipt finance services. This leadership position involves understanding the unique financial needs of farmers across India and ensuring accessible, timely credit solutions. By fostering strong relationships within the agricultural community and with relevant stakeholders, Goel Asheesh drives the growth and impact of L&T Finance's farmer finance offerings. The Chief Executive Officer, Farmer Finance's focus is on expanding financial inclusion for rural populations and supporting agricultural productivity through robust financial services. Asheesh's strategic vision is key to strengthening L&T Finance's presence in the rural lending market.

Sachinn Joshi, the Group Chief Financial Officer at L&T Finance, directs the company's overall financial strategy and management. Joshi oversees all financial planning, accounting, treasury operations, and reporting functions, ensuring fiscal discipline and compliance with regulatory requirements. This executive plays a pivotal role in managing L&T Finance's capital structure, optimizing funding strategies, and driving profitability across its diverse financial product lines, including housing, business, and farmer loans. By providing critical financial insights and analysis, Sachinn Joshi supports informed decision-making at the executive level. The Group Chief Financial Officer's responsibilities extend to investor relations and capital allocation, crucial for sustaining the company's growth and financial stability in the Indian market. Joshi's financial acumen is fundamental to L&T Finance's sustained success.

Raju Dodti, the Chief Operating Officer at L&T Finance, oversees the day-to-day operational functions and process optimization across the organization. Dodti directs the efficient delivery of financial services, including loan processing, customer service, and back-office operations, ensuring adherence to regulatory standards and internal policies. This critical role involves enhancing operational workflows to support L&T Finance's broad range of products, from SME loans to farmer finance. By focusing on operational excellence, Raju Dodti drives improvements in efficiency, cost management, and service quality, directly impacting customer satisfaction and business scalability. The Chief Operating Officer's strategic oversight ensures that L&T Finance's operational infrastructure can effectively support its expansion across India. Dodti's leadership is instrumental in maintaining the smooth functioning of all business verticals, reinforcing the company's commitment to reliable financial solutions.

Samson Santhosh, the Chief Technology Officer at L&T Finance, directs the company's technology strategy and digital transformation initiatives. Overseeing all technology infrastructure, Santhosh ensures the robust and scalable deployment of systems supporting L&T Finance's diverse financial product offerings, from housing and personal loans to specialized business and rural financing. This leadership role involves driving innovation in fintech solutions, enhancing cybersecurity measures, and optimizing operational efficiency through advanced technological frameworks. By integrating cutting-edge technology, Samson Santhosh supports the expansion of financial services across India, ensuring seamless customer experiences and reinforcing the company's market position. The Chief Technology Officer's focus remains on building a resilient and future-ready technology ecosystem that underpins L&T Finance's growth objectives and operational excellence.

Kavita Jagtiani, the Chief Marketing Officer at L&T Finance, spearheads all marketing and brand strategy initiatives. Jagtiani directs the development and execution of campaigns that enhance brand visibility and customer engagement across L&T Finance's extensive product portfolio, including housing loans, personal loans, and business financing solutions. This role involves deep market analysis to identify growth opportunities and tailor marketing messages to diverse customer segments throughout India. By fostering strong brand equity, Kavita Jagtiani ensures that L&T Finance remains a preferred financial partner. The Chief Marketing Officer's responsibilities extend to managing digital marketing efforts, public relations, and customer relationship management, all aimed at driving customer acquisition and retention. Through strategic brand positioning, Jagtiani significantly contributes to the company's overall market penetration and revenue generation goals.

Mangesh Kelkar, the Chief Risk Officer & Chief Revenue Officer at L&T Finance, holds dual responsibility for managing the company's risk profile and driving revenue growth. Kelkar directs the implementation of comprehensive risk management frameworks, ensuring the stability and integrity of L&T Finance's diverse financial operations, including housing, personal, and business loans. Simultaneously, this executive spearheads revenue generation strategies, identifying market opportunities and optimizing sales performance across all product lines. By balancing prudent risk assessment with aggressive revenue targets, Mangesh Kelkar ensures sustainable business expansion. The Chief Risk Officer & Chief Revenue Officer's integrated approach supports L&T Finance's strategic objectives in the competitive Indian financial landscape. Kelkar's leadership is vital for navigating market complexities and achieving consistent financial results.

Zeenat Hamirani, the Chief Risk Officer & Chief Revenue Officer at L&T Finance, manages critical aspects of risk mitigation and revenue enhancement. Hamirani directs the establishment and enforcement of robust risk management policies, safeguarding L&T Finance's assets and ensuring compliance across its lending operations, which span housing, business, and rural finance. Concurrently, this executive drives initiatives to maximize revenue streams, focusing on market penetration and the expansion of profitable product offerings. By meticulously assessing potential risks and strategically pursuing revenue opportunities, Zeenat Hamirani contributes significantly to the company's financial health and growth trajectory. The Chief Risk Officer & Chief Revenue Officer's dual focus ensures a balanced approach to business development and operational security. Hamirani's expertise is crucial for navigating the dynamic financial services sector in India.

Jeevan Tv, the Chief Sales Officer (CSO) at L&T Finance, leads the company's sales force and drives revenue generation through strategic sales initiatives. Tv directs the execution of sales strategies across all product verticals, including personal loans, business loans, and rural finance, ensuring alignment with market demands and company objectives. This role involves building and motivating high-performing sales teams, optimizing sales processes, and expanding market reach throughout India. By fostering strong customer relationships and identifying new sales channels, Jeevan Tv significantly contributes to L&T Finance's market share growth. The Chief Sales Officer (CSO)'s focus is on achieving ambitious sales targets and enhancing customer acquisition. Tv's leadership is essential for driving top-line growth and solidifying L&T Finance's position as a leading financial services provider.

Krishnan Venkateswaran, the Vice President & Chief Information Officer at L&T Finance, leads the company's information technology strategy and infrastructure. Venkateswaran directs the management of IT systems, data security, and digital platforms that support L&T Finance's extensive range of financial services, from personal loans to supply chain financing. This role involves ensuring the reliability, scalability, and security of all technology operations, crucial for maintaining seamless customer service and operational efficiency across India. By driving technological innovation and implementing robust IT governance, Krishnan Venkateswaran enhances the company's competitive edge. The Vice President & Chief Information Officer's focus is on leveraging technology to optimize business processes and support strategic growth initiatives. Venkateswaran's leadership ensures L&T Finance remains at the forefront of digital transformation in the financial sector.

Aparna Rawat, the Chief Legal Officer at L&T Finance, oversees all legal affairs and ensures regulatory compliance across the organization. Rawat directs the provision of expert legal counsel on a wide array of financial transactions and corporate matters, supporting L&T Finance's operations in housing loans, business loans, and rural finance. This leadership role involves managing legal risks, advising on corporate governance, and ensuring adherence to India's complex financial regulations. By safeguarding the company's legal interests, Aparna Rawat contributes to its operational integrity and sustained growth. The Chief Legal Officer's responsibilities include managing litigation, drafting contracts, and ensuring that all business practices align with legal and ethical standards. Rawat's expertise is vital for navigating the legal landscape and protecting L&T Finance's interests.