Mr. Sanjaya Gupta holds a Post Graduate Degree in Business Management. He is also a Fellow of the Royal Institution of Chartered Surveyors.

His professional career started with HDFC Ltd. in 1987 as a management trainee. He worked there for 16 years in various geographies at strategic and functional positions. His last assignment with HDFC was as the Head of Business Development & Distribution. He also has a distinction of establishing the first international housing finance branch operations for HDFC Ltd., an industry's first.

Thereafter he worked with ABN AMRO Bank NV as India Business Head, Retail Mortgages and later got elevated as the Mortgage Operations Head for North America and other geographies.

His last assignment before PNBHFL was with AIG - United Guarantee (AIG Inc.) as the Country Head for India, a joint venture between NHB, ADB and IFC Washington (DC).

He incubated a housing finance company for the urban poor — India Shelter Finance Corp Ltd. — which is today a fledging HFC in that segment of the society.

Currently he is the Managing Director of PNB Housing Finance Limited, which is a listed company, both, on NSE & BSE.

In the last six years the Company has seen a significant change in all faculties of business and now it is the fifth largest Housing Finance Company by loan assets and the second largest by deposit book.

Throughout his career spanning over 30 years, he has significantly contributed to mortgages and allied risk management products.