Over the past five years, Aavas Financiers has played an important role in shaping my professional journey, giving me opportunities to learn, grow, and lead beyond my functional role.

From leading the Customer Service & Retention function to driving organisation-wide transformation initiatives, including Salesforce-based LOS and CRM implementations and other cross-functional strategic projects, Aavas has given me the opportunity to work with diverse teams, collaborate with senior leadership, embrace innovation, and create meaningful business impact. These experiences have strengthened my skills in strategic thinking, stakeholder management, change leadership, and execution.

Aavas has also invested in my development through opportunities such as the Leadership Development Program at IIM Ahmedabad, which broadened my perspective and strengthened my leadership capabilities. The culture of trust, ownership, and continuous learning has continually encouraged me to challenge myself and take on greater responsibilities.

Beyond professional growth, Aavas has supported me through important transitions in my personal life, providing the flexibility and understanding needed to balance personal commitments while continuing to grow professionally.

My journey with Aavas began on 2nd July 2016, after a two-and-a-half-year career break to raise my young children. I was looking to return to the corporate world while balancing my personal and professional responsibilities, and Aavas gave me that opportunity as an IT Consultant.

In the early days, my focus was on establishing key IT processes, building the right team, and creating a strong operational foundation. Over the years, I had the opportunity to lead several transformational initiatives, including the end-to-end Omnifin upgrade, Sales and Collections mobile applications, critical workflow redesign, and the implementation of the Loan Management System, including the migration from the legacy platform.

These experiences taught me that successful transformation happens when technology, people, and processes move together. They also helped me grow as a leader, strengthening my ability to navigate change, make decisions, and build high-performing teams.

Coming from a multinational corporate environment, adapting to Aavas’ fast-growing, home-grown culture was a transformative experience. It taught me the importance of resilience, agility, ownership, and collaboration.

Joining Aavas was a turning point in my career, giving me the opportunity to restart my professional journey after a long career break. I will always be grateful to Aavas and my manager for believing in my potential and giving me the confidence to begin again.

One of the most memorable milestones in my journey was receiving the Jury Award and being nominated for the Leadership Empowerment Program at IIM. These recognitions strengthened my belief in continuous learning and encouraged me to contribute to impactful, data-driven initiatives.

Returning to work after an extended break was a significant challenge. Adapting to new technologies and a fast-evolving work environment pushed me beyond my comfort zone and helped me become more resilient, confident, and future-ready.

For me, Aavas is an organisation that values people and potential. The culture of innovation, encouraging leadership, and strong personal connect makes it a special place to work. I am especially grateful to my manager for the constant support and encouragement to grow and succeed.

When I joined Aavas Financiers in December 2016, the organisation was in an exciting phase of rapid growth. Over the past decade, I have had the privilege of witnessing its transformation from a growing housing finance company into an institutionalised, publicly listed organisation with an asset portfolio of ₹23,000+ crore and a network of 441+ branches.

Being part of the Legal Mortgage team during this journey gave me the opportunity to contribute to building strong legal frameworks and processes. A key milestone was establishing the legal framework for Maharashtra, particularly Mumbai, and developing robust, localised title-clearing processes to address the complexities of Mumbai real estate. Through rigorous legal due diligence and standardised title-search practices, we strengthened risk management and supported the company's focus on maintaining strong asset quality.

Returning to work after an extended break was a significant challenge. Adapting to new technologieWhat makes Aavas special to me is its philosophy of transforming “Kuccha to Pucca”—not just for our customers and their homes, but also in the way we build processes, capabilities, and careers. The culture of trust, ownership, empathy, and strong governance has given me the opportunity to learn, contribute, and grow alongside the organisations and a fast-evolving work environment pushed me beyond my comfort zone and helped me become more resilient, confident, and future-ready.

Aavas – Sapne Aapke, Saath Hamaara. Proud to be a part of the Aavas family! “There is no limit to what we, as women, can accomplish.” My journey with Aavas has been truly rewarding and enriching. From my journey from CPA to State Credit Head, every role and challenge has helped me grow, build confidence, and strengthen my capabilities.

Balancing personal and professional responsibilities is never easy, but every challenge has taught me to step beyond my comfort zone and do what I once thought I couldn’t. I am grateful to my seniors, colleagues, and the entire Aavas team for their constant guidance, trust, and support

Returning to work after an extended break was a significant challenge. Adapting to new technologies and a fast-evolving work environment pushed me beyond my comfort zone and helped me become more resilient, confident, and future-ready.

The success of every woman should be an inspiration to another. Looking ahead, I look forward to many more opportunities to learn, grow, and achieve greater milestones together. Keep Learning. Keep Growing.

I was just 25 when I joined Aavas Financiers, young, ambitious, and eager to learn. What made my journey special was the trust Aavas placed in me early on and the opportunities it gave me to grow. That trust became my motivation to always give my best.

I began as an Area Risk Manager (ARM) for Rajasthan. Over the years, I was entrusted with larger responsibilities and additional states. Today, as a Zonal Risk Manager (ZRM), I oversee risk management across eight states. Working across diverse markets has given me valuable exposure to different customer profiles, market dynamics, and risk patterns, making me a stronger professional.

Every new responsibility brought its own challenges—from managing larger territories to making critical risk decisions. Each experience strengthened my confidence, sharpened my decision-making, and prepared me for the next level.

As a woman in a function where women professionals are still relatively few, my journey has reinforced my belief that competence, dedication, and perseverance matter more than gender. Aavas has consistently given me equal opportunities to learn, perform, and lead.

Four Years, One Journey: My Story at Aavas It’s hard to believe I’ve completed four years at Aavas Financiers. Looking back, it feels like much more than four years of work—it has been a journey of professional and personal growth.

I still remember joining the Gurgaon branch as the only woman on the floor. I was new to affordable housing finance, had one person reporting to me, and was responsible for a single vertical. The branch was doing around ₹2 crore a month.

What Aavas gave me from day one was trust, responsibility, and the freedom to learn from failure. That trust pushed me to take ownership, make decisions, and grow faster. Four years later, that one vertical has grown to three. My role has expanded to six branches and Central Processing, and my team has grown from one to 19. Branches that once did around ₹5 crore a month now average nearly ₹15 crore. These numbers represent the collective effort of an incredible team, and I’m grateful to have been part of that journey.

4 Years of Aavas | 4 Years of Growth Four years ago, I began my journey with Aavas with a dream, a sense of responsibility, and a commitment to grow. Looking back, it has been a remarkable journey of learning, leadership, resilience, and transformation.

Each year brought new opportunities and challenges. From building a strong foundation and nurturing teams to strengthening business performance and leading with purpose, every experience shaped me into a better professional and leader.

My biggest learning has been: A leader’s true success lies not in what they achieve alone, but in what they inspire others to achieve.

Aavas has given me the opportunity to grow, lead, and create meaningful impact. The philosophy of “Sapne Aapke, Saath Hamaara” has resonated deeply with my journey, while Prerna has been a source of inspiration to empower and support others. I am grateful to the leadership, colleagues, business partners, and my team for their trust and support throughout this journey. 4 Years completed. Countless lessons learned. Many milestones achieved. And the journey continues with the same passion, ownership, and purpose. 4 Years of Aavas.4 Years of Prerna.4 Years of Growth.And many more milestones ahead.