Leadership Team

Pankaj Gadgil is the MD & CEO, Aditya Birla Housing Finance Limited and Head, Digital Platforms and Payments Strategy, Aditya Birla Capital.

Having joined the Aditya Birla Group in 2022, Pankaj has since been responsible for providing strategic direction to the housing finance company and building it as a material player in the industry. In addition, he has been driving the development of Aditya Birla Capital's digital platform and strategy for its payments business. Pankaj has been instrumental in building the omnichannel D2C platform - ABCD, which offers a comprehensive suite of financial products and services, and digital payment solutions.

Pankaj has over 25 years of experience in managing diverse portfolios across banking and finance. Before joining Aditya Birla Capital, Pankaj was with ICICI Bank for 19 years, working across Retail Assets & Liabilities, Business Banking, SMEs, Payments, and large ecosystems. He is accredited with several ‘industry-first’ digital propositions, like InstaBIZ, Connected & API Banking, Trade Online, Eazypay & InstaOD among others. These digital propositions have been honoured by leading domestic and international bodies such as the Asian Banker, Gartner Innovation, IBA, Business Today, etc.

Pankaj’s focus on customer insights, distribution efficiency, enabling service architecture, and digital transformations helped create a footprint of more than 2 million customers and led to a significant growth in profit pools and market share in the Small Business segment for the bank.

Pankaj has also served as the Bank’s nominee member on the Board of National Payments Corporation of India (NPCI), NPCI International, ICICI Merchant Services Ltd., and ICICI Securities Ltd.

He is an MBA from the Savitribai Phule Pune University and holds a diploma in foreign trade from the Department of Economics.