Meet the people who make it Happen.

Mr. Santosh Nair - CEO, HDFC Sales
Mr. Santosh Nair

Words from

It is my deep honor and privilege to take charge of HDFC Sales as the CEO and lead a growing team of over 11,000+ professionals. As we stand at an exciting juncture in our business journey, I welcome you with hope, belief and a positive outlook for the year 2021.

Our story began in 2004 to support and augment the sales and distribution of the products of our parent company, HDFC Limited. Over the last 18 years we have grown manifold to become one of the largest financial services’ distributors in India, with the distribution of a multitude of products ranging from Home Loans, Insurance, Pension Schemes, Education Loans, Mutual Funds and Deposits, across India.

Board of Directors

HDFC Sales Pvt. Ltd. is managed by its Board consisting of eminent persons, professionals who represent various segments including mortgages, finance, taxation, construction, and urban policy & development. The Board primarily focuses on strategy formulation, policy and control, designed to deliver increasing value to the various stakeholders.

Mr. Conrad D’souza, Director

Mr. Conrad D’souza

Qualifications: M.Com, MBA, DFM, SEP (London Business School)

Conrad D’Souza has a Master’s Degree in Commerce, a Master’s Degree in Business Administration and is a Senior Executive Program (SEP) graduate of the London Business School. He joined Housing Development Finance Corporation Limited (HDFC), the holding company in 1984 and is currently a Member of the Executive Management team, and the Chief Investor Relations Officer. His responsibilities include corporate planning and budgeting, corporate finance and investor relations. He is also a Member of the Asset Liability Committee (ALCO). He was earlier the Treasurer of HDFC and his responsibilities included resource mobilization, both domestic and international, and asset liability management. He has worked earlier in Operations and Management Services at HDFC and was also the Regional Manager - Maharashtra. He was responsible for HDFC’s US $500 million Foreign Currency Convertible Bond and also the country’s first simultaneous issue of a Non-Convertible Bond with a Warrant in the domestic markets.

Mr. Conrad D’souza, Director

Mr. S.N. Shroff, Director

Mr. S. N. Shroff

Qualifications: Bachelor of Arts, L. L. B.

Mr. S. N. Shroff has vast experience in the field of law and had been associated with Housing Development Finance Corporation (HDFC) Limited, the holding company, for close to three decades until his retirement as its Chief Legal Advisor in 2008.

Mr. Rajeev Sardana, Director

Mr. Rajeev Sardana

Qualifications: Bachelor of Commerce (Honors) from Shriram College of Commerce, University of Delhi and a Member of Institute of Chartered Accountants of India

Mr. Rajeev Sardana is a Member of Executive Management of Housing Development Finance Corporation Limited (HDFC) and is the All India Head – Self Employed Business and Loan against Property and also the Regional Business Head for Hyderabad, Chennai & Coimbatore. He is a member of the Institute of Chartered Accountants of India. He has been associated with HDFC since 1987 and is also involved in the development of products and policies for retail mortgage loans. He has been involved in consultancy assignments undertaken by HDFC in various countries across Asia to support and establish their housing finance institutions. Mr. Rajeev Sardana is also a Director of HDFC Education and Development Services Private Limited.

Mr. Rajeev Sardana, Director

Ms. Harini Anand
Non-Executive Director

Ms. Harini Anand joined HDFC Ltd on October 10, 2016 as Joint General Manager- Treasury at the Head Office. She is a Chartered Accountant (rank holder) from the Institute of Chartered Accountants of India, with over 20 years of work experience in the areas of Corporate Finance, Treasury, Corporate Strategy, M&A, Investor Relations and Audit.
Ms. Harini Anand articled from PricewaterhouseCoopers in Mumbai and worked with Larsen & Toubro Limited across various functions like Corporate Finance, Treasury, Management Audit, CFO's Office, M&A and Investor Relations for over 14 years before moving to L&T Finance Holdings where she handled the Corporate Strategy.
As the General Manager- Treasury at HDFC Ltd, she handles core treasury covering: Liabilities, Financial Risk Management, Treasury Investments, etc.

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