Raj Nair has a diverse work experience spanning over 23 years. Their most recent role was as the Head of Customer Experience at Piramal Capital & Housing Finance Limited starting from 2023. Prior to that, they worked at IDFC FIRST Bank from 2019 to 2023, where they held multiple roles including Head Enterprise Conversational AI and Head of Customer Experience. Before that, they worked at Kotak Mahindra Bank from 2008 to 2019, where they held various positions such as Executive Vice President & Head -Customer Experience Center and Senior Vice President & Head Of Customer Experience Center. Raj also worked at DBS Cholamandalam Securities Ltd. in 2008 as the Head of Retail Branch Distribution. Their early work experience includes working at HDFC Bank from 2000 to 2007 in different roles such as Product Manager- Credit Cards and National Sales Manager. Overall, Raj Nair has extensive experience in customer experience management, digital adoption, and driving overall customer satisfaction.
Raj Nair completed their education with a Master of Business Administration (MBA) degree from the University of Mumbai between 1996 and 1998. Raj then pursued further education at the UCLA Anderson School of Management from 2015 to 2016, where they obtained a degree in Business Administration and Management. In addition, they attained a certification in the Contemporary Leadership Program from the Indian Institute of Management, Ahmedabad in 2012.
Piramal Capital & Housing Finance Limited
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Piramal Capital & Housing Finance Limited, is a wholly owned subsidiary of Piramal Enterprises Limited (the flagship company of Piramal Group), that is engaged in financial services business. It provides both wholesale and retail funding opportunities within real estate and non-real estate sectors. Within real estate, the platform is capable of providing financing solutions across the entire capital stack ranging from early stage private equity, structured debt, senior secured debt, construction finance, flexi lease rental discounting and housing finance. The company is registered with National Housing Bank (NHB) as the housing finance company since 28th August 2017. It offers home loans as well as loans against property and construction finance for small developers. Apart from real estate, the wholesale business also includes a separate vertical, called the Corporate Finance Group, which aims to provide customized funding solutions to companies across sectors such as infrastructure, renewable energy, roads, industrials and auto components. It also has a fiduciary fund management – Piramal Fund Management that advises institutional and retail investors alike, through customized strategies such as the Mumbai Redevelopment Fund focused on slum rehabilitation and the Apartment Fund focused on bulk buying individual units as well as larger separate account mandates through its partnerships with leading global pension funds such as CPPIB, APG and Ivanhoe Cambridge. The business has expanded into lending towards Small and Medium Enterprises (SMEs) with the formation of an Emerging Corporate Lending Group.