​​​​​​​PNB Housing Finance Appoints Mukesh Agarwal as Chief Sales Officer – Retail

NEW DELHI — December 22, 2025 — PNB Housing Finance Limited has announced the appointment of Mr. Mukesh Agarwal as its Chief Sales Officer (CSO) – Retail. The move is part of the company's strategic push to strengthen its senior leadership team and accelerate the growth of its retail lending portfolio across Indian markets.

As CSO – Retail, Mr. Agarwal will spearhead the retail sales strategy, focus on the expansion of distribution channels, and drive business growth initiatives. This leadership change aligns with the company’s long-term governance framework and its focus on scaling its "Prime" and "Affordable Housing" segments.

Professional Journey and Expertise

Mr. Agarwal is a seasoned professional with over 21 years of experience in the financial services sector. A Chartered Accountant (ICAI, 2003) by qualification, his expertise spans across Sales Leadership, Credit Underwriting, and Policy Formulation.

• Long-standing Association: He has been a core part of PNB Housing Finance for over 13 years, rising through the ranks in various critical leadership roles.

• Previous Roles at PNB Housing: He has served as National Head – Credit & Policy (Affordable Housing), National Credit Manager – Prime, and Zonal Credit Manager, among other positions.

• Industry Background: Before joining PNB Housing Finance, he held significant roles at Standard Chartered Bank, ICICI Bank, and IndusInd Bank, gaining a 360-degree view of the banking and finance industry.

Strategic Impact on PNB Housing Finance

The appointment comes at a time when PNB Housing Finance is aggressively looking to increase its market share in the retail housing segment. With Mr. Agarwal's deep background in both Credit Operations and Sales, the company aims to bridge the gap between policy robustness and market agility.

Key Focus Areas for the New CSO:

1. Distribution Reach: Expanding the physical and digital footprint in Tier II and Tier III cities.

2. Affordable Housing: Leveraging his past experience as National Head of Credit for Affordable Housing to drive volume in the low-to-mid income segment.

3. Sales-Credit Synergy: Ensuring high-quality asset acquisition by integrating sales strategies with robust credit frameworks.