Sunil Kaw has joined Vastu Housing Finance as its Chief Credit Officer, bringing more than three decades of experience in retail banking, credit risk management, business leadership, and digital transformation. In his new role, he will provide strategic leadership across the company’s credit and risk functions, strengthening governance as Vastu Housing Finance continues to expand its presence in India’s affordable housing finance sector. The company is recognized for providing home loans and secured lending solutions to underserved and emerging customer segments through a technology-driven approach and robust risk governance.
Prior to joining Vastu Housing Finance, Sunil held several senior leadership positions across banking and non-banking financial services, including Credit Head – Retail and MIB at YES BANK, Head of Credit Underwriting at SMFG India Credit (formerly Fullerton India), and Head of Credit – Consumer Risk at Barclays Bank, alongside leadership roles at Standard Chartered Bank and Kotak Mahindra Primus. Throughout his career, he has led large-scale credit operations, enhanced enterprise risk management frameworks, and driven credit policy, underwriting, and portfolio management across retail lending businesses.
His leadership has been instrumental in strengthening credit governance, improving underwriting standards, and supporting sustainable business growth across leading financial institutions. His diverse experience across banking and non-banking financial services positions him well to contribute to Vastu Housing Finance’s long-term growth strategy.
Sunil has further strengthened his leadership credentials through executive education at IIM Lucknow and Harvard Business School. He holds a Post Graduate Diploma in General Management from Emeritus, Singapore, delivered in collaboration with MIT Sloan, Columbia Business School, and the Tuck School of Business at Dartmouth. In addition, he has earned a Diploma in Systems Management from NIIT and a Bachelor of Science degree from Kashmir University. His appointment reinforces Vastu Housing Finance’s commitment to building a strong leadership team focused on innovation, prudent risk management, and financial inclusion.