Jatul Anand

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DISC Type : d

Executive Director at PNB Housing Finance Limited

Gurugram, Haryana, India

Overview

Jatul Anand is a Chartered Accountant and the Executive Director at PNB Housing Finance, with over 23 years of leadership in mortgage finance and banking. He oversees prime business segments, driving growth, digital transformation, and portfolio excellence. An alumnus of Delhi University, he has a proven track record of strengthening credit frameworks and managing large-scale operations.

Interesting fact: As Chief Credit & Collections Officer, he successfully reduced the companys NPAs from 5. 33% down to 1. 07% through targeted policy interventions and advanced delinquency frameworks.

Personality Overview

Decisive

Challenger

Self-Confident

They can be nudged to make faster decisions by offering what they value.  They focus on objectivity in a pitch and pay little attention to bells and whistles. They don’t always try to control the conversation but neither do they like yielding it fully.

Topics They Care About

Affordable Housing
He has spoken publicly about the importance of the affordable housing sector for India's growth and his company's focus on this segment.
Credit Risk Management
A core area of his expertise, having significantly reduced NPAs in previous roles and consistently managed credit, legal, and collections functions.
Digital Transformation
Passionate about adopting technology and rule-based automation to transform legacy processes, improve turnaround times, and enhance operational efficiency.

Media Appearances

Jatul has no verified media appearances

Work History

8-2025
Executive Director at PNB Housing Finance Limited
7-2021 - 7-2025
Chief Credit & Collections Officer at PNB Housing Finance Limited
6-2017 - 1-2021
National Head – Credit Underwriting at PNB Housing Finance Limited
6-2013 - 6-2017
Credit Head – North & East at PNB Housing Finance Limited
9-2010 - 5-2013
Cluster Head – Commercial Real Estate / SME Banking at Standard Chartered Bank

Education

1997 - 2002
Chartered Accountant from The Institute of Chartered Accountants of India
2003 - 2004
CAIIB – (Certified Associate of Indian Institute of Bankers) from Indian Institute of Bankers

More Information

Social Presence :

Prographics :

Exp : 21 Location : Gurugram, Haryana, India Job Level : Senior Designation : Executive Director at PNB Housing Finance Limited
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Insights For Selling To Jatul

During A Call Or A Meeting

DO's

  • Refer to testimonials from others in similar positions
  • Highlight the competitive differentiation of your product
  • Tell them that you are there to help them create visible impact within their organization

DONT's

  • Don’t expect them to change their mind quickly if they say no once
  • Don't try too hard to get friendly, let it happen with time
  • Avoid repeating yourself or making generalizations

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Jatul is

  • Belief in the product plays an important role, followed by objective proof and testimonials.
  • Will you ever get a clear answer from Jatul

  • They may hesitate slightly, but if they are not convinced, they will say no.

Insights For Deal Planning

    How fast (or slow) will Jatul move?

  • Their decision making speed is somewhere in the middle.
  • Can Jatul take some risk or not?

  • They can take risks only after they have analyzed the advantages and disadvantages.

You And Jatul

Personality Compatibility


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