Mr. Shaji Varghese is the General Manager & Business Head at PNB Housing Finance. He has been an integral contributor in setting up large successful businesses across various geographies and managing high performance teams.

He has more than 17 years of experience and his forte lies in retail and wholesale asset distribution, deposits, managing sustainable and profitable business. Prior to this assignment, Mr. Shaji was the Senior Vice President and Business Head, Secured Assets at Indusind Bank. He has also handled assignments with leading financial institutions and banks like ABN AMRO Bank, ICICI Bank Ltd . He holds Bachelor's degree in Law (LLB) and Master's degree in Management Science (MMS).

Mr. Shaji Varghese has been instrumental in transforming PNB housing Finance Ltd into one of the fastest growing & 5th largest housing finance companies in India with lowest NPAs & thrice the average industry growth rate.