ABOUT US
Jothi Housing
Jothi Housing strives to establish itself as the most reliable and preferred service provider in the field of Affordable Housing Finance. Our primary objective is to promote social and economic empowerment for the underprivileged sections of society through customer-centric housing financial inclusion initiatives.
Our focus is on enabling millions of people to realize their dream of owning their first homes, which we believe is a crucial step towards financial stability and security. At Jothi Housing, we are committed to driving positive change in the communities we serve by providing access to affordable housing finance and empowering people to achieve their homeownership aspirations.
Our Vision, Mission & Values
Our Vision:
To create a value-based, productive, prosperous and sustainable community.
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Our Mission:
To create a value-based, productive, prosperous and sustainable community.
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Our Core Values:
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Spirit
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Team Work
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Accountability
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Resourcefulness
Our Team
Shirley Devaraj,
Founder & CEO
For the past 13 years, I have been responsible for leading the retail business at IDFC First Bharat (previously known as Grama Vidiyal Microfinance Limited). I initially joined Grama Vidiyal Microfinance in 2006 and worked my way up to become the head of the business in 2016. During my tenure, the business operated in 7 states, had 300 branches, and served 12 lakh clients, with an AUM of INR 1500 Crores. We achieved good profitability and maintained an impeccable portfolio quality. In 2018, Grama Vidiyal Microfinance was acquired by IDFC bank and subsequently rebranded as IDFC First Bharat. My extensive experience in the microfinance industry has equipped me with the necessary skills to effectively manage the retail business of IDFC First Bharat and drive its growth in the future
As the COO of IDFC First Bharat, I led the business until 2019 and oversaw its growth to an AUM of INR 4000 Crores, serving 20 lakh clients. Following my tenure at IDFC First Bharat, I established Jothi Housing and Mortgage Finance. In February 2020, we were granted the HFC license by the RBI, enabling us to provide housing finance solutions to individuals and families in need. My experience and expertise in the financial industry have been instrumental in the successful launch of Jothi Housing and Mortgage Finance, and I remain committed to delivering the best possible service to our clients
M. Maria Vasantha Nathan
Director
Maria Vasanth, who was formerly the CEO of SCPL, has a robust and extensive career spanning 8 years in the IT field. He culminated this experience by obtaining a Post Graduate Diploma in Management (PGDM) in Business Administration from the renowned Loyola Institute of Business Administration (LIBA) in Chennai. His specialization in Marketing and Finance served him well during his tenure at various organizations such as MindTree Wireless Pvt. Ltd, Global Edge Software Pvt. Ltd, and IP Unity Communications (also known as Movius Corporation) where he held several positions
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After completing his full-time Business Administration degree at LIBA, he joined the FMCG company 'Aachi Masala Foods Pvt Ltd' where he was responsible for devising and executing new marketing strategies to expand their market reach and increase sales in Tamil Nadu. Additionally, he was tasked with expanding their business across India. He reported directly to the Chairman and Managing Director, Mr. A.D. Padmasingh Isaac. He has been a part of Swarnodhayam Credits Pvt Ltd (SCPL) for the past six years and has contributed to its impressive growth rate. With a solid technical background and a natural flair for Business and Administration, he aims to lead Jothi Housing towards sustainable growth using a steady and strategic approach
Arul Pandi M,
Credit
Arulpandi Manivel, an MBA graduate in Finance and Marketing from Anna University, has accumulated eight years of credit experience in the Banking and Housing Finance sectors. His prior work experience includes positions at ICICI, CSB, and HDB Financial Services. In addition to his expertise in credit, he has also overseen Operations and Repayment teams. Arulpandi's outstanding performance was recognized by HDB Financial Services, where he was awarded Best Performer of the year
Jenies.J
Credit
Mr. Jenies the Credit Manager is responsible for overseeing branch credit operations, underwriting, disbursement processing, team leadership, and loan origination system (LOS) management. With extensive experience in employee management, team leadership, development initiatives, branch expansion, and overall file processing, He plays a key role in ensuring smooth credit operations at JHMF. Before joining JHMF, He served as a Cluster Credit Head at Can Fin Homes Ltd (a Canara Bank-sponsored entity) for five years, where he managed six branches. Prior to that, he spent 10 years as a Credit Manager at Muthoot Finance Ltd, gaining extensive experience in credit assessment and branch operations.
Seeyonraj.S,
Business
Mr. Seeyonraj, the Cluster Head, and have been associated with Jothi Housing and Mortgage Finance Limited (JHMF) since December 2022. Responsible for handling Branch Managers, Team Leadership and Management, Managing staff Requirement, Client Relationship Management at JHMF. He has extensive experience in employee management, team handling, development activities and branch expansion. Before joining JHMF, He worked with Jana Small Finance Bank as a Cluster Head for about 10 months, managing three branches. His role involved motivating the team to achieve effective branch management and performance parameters in business and repayment, as well as overseeing branch administration, client relationship management, and customer experience escalation.
Meignanmoorty.K
Business
Meignanamoorthy has a keen interest in HL and LAP marketing, encompassing both sales and collections. He has been with Jothi Housing and Mortgage Finance Limited (JHMFL) since December 2023. His responsibilities include managing and leading the team, ensuring targets are met in both sales and collections, and monitoring relationships with customers and employees. He possesses extensive knowledge in credit, legal, and technical aspects. Prior to joining JHMFL, Meignanamoorthy worked at Equitas Small Finance Bank, Jana Small Finance Bank, and Credit Access Grameen Ltd. With a total of 12 years of experience in the finance field, including 7 years in SFB/NBFC, he holds an engineering degree (B.E. in ECE) from IRTT.
Nikitha Raj
Human Resources
​Nikitha Raj is an individual with a fervent interest in HR and has been affiliated with Jothi Housing and Mortgage Finance Limited since 2019. Her role encompasses various responsibilities such as managing Employee Engagement, Performance Appraisals, Payroll Management, Employee Relations, and handling grievances at JHMF. She possesses a wealth of experience in employee management, learning and development activities, as well as compliance support activities. Prior to joining JHMF, she was employed at Samastha Micro Finance Limited. Nikitha holds an MBA degree from Joseph's Institute of Management
Padmapriya
Operations
Padmapriya J. has extensive experience in banking, financial operations, and customer service management, with expertise in post-sanction documentation, disbursement of business, mortgage, and property loans. She is skilled in scrutinizing loan applications, coordinating with sales teams to resolve discrepancies, and collaborating with vendors for risk control unit (RCU) checks, legal verifications, and technical reports. Additionally, she works closely with the credit and operations teams to expedite file disbursements, managing the entire loan process until the original documents are dispatched for secure storage. Beyond loan processing, Padmapriya has a strong background in retail banking operations, handling various financial transactions, including fixed deposits, gold loans, NEFT/RTGS, and other account-related services.