A Journey spanning
22 years and 9 countries

countries-map

Home Credit India is a part of Home Credit Group, an international consumer finance provider which was founded in 1997 and has operations in 9 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 crore customers in India.

  • 7k+ Employees
  • 53K+ Partner Shops
  • 1 Cr+ Customers
  • Presence in 625 Cities
  • Serving India Since 2012
  • 47 offices
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  and 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, CEO - Home Credit

    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.

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  • Anirban Majumder - HC best personal loan rates

    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.

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  • Ankush Khosla - consumer finance companies

    Ankush
    Khosla

    Chief Sales 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. He is now heading sales for Home Credit in India.

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  • Harshita Uppal

    Harshita
    Uppal

    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.

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  • Jayaprakash K - Home credit small cash loans

    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.

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  • Ladislav Simicek small personal loans

    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.
     

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  • Milan Dolansky - HC best personal loan rates

    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.

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  • Ondrej </br>Chochola

    Ondrej
    Chochola

    Chief Data Officer

    Ondrej Chochola joined Home Credit India in February 2017 as Head of UnderwritingHe became Chief Data Officer in February 2020.

    Ondrej brings with him 14+ years of rich experience in business analytics & data science. Prior to Home Credit, he was associated with Komercni banka (Societe Generale) & Deloitte.

    He has done PhD in Mathematical Statistics and Probability from Charles University in Prague.

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  • Prosonjit Basu - Chief Strategy Officer

    Prosonjit
    Basu

    Chief Strategy 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.

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  • Smeer Katdare -low interest personal loans

    Sameer
    Katdare

    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.

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  • Sarpreet Singh Benipal - Director Home Credit

    Sarpreet Singh
    Benipal

    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. 

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  • Vijay Dhingra - home credit mobile theft insurance

    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.

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  • Vivek Kumar </br> Sinha

    Vivek Kumar
    Sinha

    Chief Marketing Officer

    Vivek Kumar Sinha is responsible for Home Credit India’s overall marketing strategies including advertising activities, brand management, market research, marketing communication, public relations along with customer experience. His other responsibilities include driving adoption and usage of Home Credit India’s digital assets to accelerate growth and create a superior customer experience.

    Vivek is a Post Graduate from Goa Institute of Management and brings with him over 18 years of experience in business development, strategy, customer engagement, product development and customer experience with organizations like ICICI Bank, HDFC Bank and PAYBACK India (American Express group). 

    He has the ability to lead in a constantly evolving environment and provides the right mix of organizational leadership with customer service experience. His passion for bringing the voice of customers into product/service design helps the organization to push the boundaries and create a better experience for the customers.

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Success Stories

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  • two wheeler finance - home credit
    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.

  • Buy led tv on emi
    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

  • personal loan eligibility
    Making 1 crore dream 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.

  • personal loan for self employed
    Every delightful moment with a customer, took us a step closer to 1 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.

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