LuLu Finserv is a Non‑Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI) under Registration No. N‑16.00210, bearing Corporate Identification Number (CIN) U67100KL2018FTC051835. The Company is a subsidiary of LuLu Financial Holdings, headquartered in Abu Dhabi, with a strong presence across the GCC, the Indian subcontinent, and the APAC regions.
LuLu Finserv offers a comprehensive range of lending products and financial services, including gold loans, personal loans, consumer durable loans, and MSME loans. As a customer‑centric financial institution, LuLu Finserv is committed to bridging the credit gap faced by MSMEs, traders, and individuals by delivering innovative financial solutions supported by efficient service offerings and responsible lending practices.
Our Vision
Innovate Value, Inspire Experiences.
Our Mission
To design the world’s most reliable, seamless and accessible financial journeys.
Our Values
Built On Values That Matter.
Customer First
We are committed to our customers and we strive to make a positive difference to them
Let’s Talk
We talk, listen, share and are open to different perspectives. We will be authentic and express ourselves without fear.
Own it
We are personally responsible to deliver on our commitments. If it needs to be done, then it’s up to me.
We celebrate
We celebrate wins and winners
Teamwork
We actively collaborate and leverage on each other’s capabilities. Team comes before the individual.
Determination
We exhibit strong determination to win in all our businesses across boundaries. Failure won’t stop us.
Keep Learning
We are committed to individual and organization development through continuous learning and teaching
Integrity
We uphold highest standards of integrity in all our actions
Our Team
Board Members
Here's our leadership team and our strong pillars shaping the mission we're on, by providing the most seamless and convenient financial services.
Adeeb Ahamed is the Managing Director of LuLu Financial Holdings, and Chairman of the Board of Directors, LuLu Financial Services (India) Pvt. Ltd. A prominent thought leader, he actively contributes to global economic discourse through platforms like the World Economic Forum, shaping conversations on financial inclusion and the future of fintech. He occupies several leadership positions, including the Chair of FICCI's Middle East Council and Board Member of the UAE International Investor Council.
Surendran Amittathody is the Managing Director and Chief Executive Officer at LuLu Finserv. He has 4 decades of rich experience as a banking professional and joined LuLu Financial Group in 2015 as General Manager - LuLu Exchange in the Sultanate of Oman and immediately after Oman he was elevated as Vice President - APAC, LuLu Financial Group spearheading the operations of Philippines, Hong Kong, Malaysia and Singapore . Prior to joining LuLu Financial Group, Surendran was with Federal Bank, one of the premier private sector banks in India and has worked in almost all key verticals in various capacities and rose to the position of General Manager heading Retail and International Banking. In Federal Bank he was instrumental in setting up the overseas operations of the Bank and was heading the prestigious NRI portfolio for about 7 years in a row. He was also a member of ED committee and other credit sanctioning bodies as well as a regular Board meeting attendee. From the traditional ways to the most modern digital strategy mix, Surendran has a proven track record of conceptualizing, planning and executing projects and startups. He is a Commerce Graduate and holds an MBA in Applied Finance Management. He is also a Certified Associate of Indian Institute of Bankers (CAIIBP1) and is accredited with many a honor like Member of prestigious Udeshi Committee on FEMA set up by RBI , IMPS steering committee, Panelist in TECH BFSI to mention a few. RBI had nominated him to present the paper on RDA during his tenure as Head of International Banking in Federal Bank. In his capacity as Vice President- APAC he was in charge of expanding LuLu Exchange’s footprints in Asia Pacific region and beyond.
Unnikrishnan Menon is a seasoned professional, holding over 30 years of extensive cross-functional experience in Corporate & Commercial Banking, Credit & Financial Analysis, Trade Finance, Credit Administration, Retail / Consumer Banking and related areas across the Banking Sector. He is also associated with Twenty14 Holdings and Tablez in the capacity of Vice President & Head - Banking & Investments. He has formerly worked with prominent banks in Oman and India across several designations.
Mohanachandran K R is a seasoned banker with over 45 years of experience in the financial sector. He retired as Chief General Manager & Chief Risk Officer at Federal Bank, following a distinguished career spanning nearly four decades. His expertise covers risk management, compliance, human resources, microfinance, and general banking operations. He has held leadership roles at ESAF Small Finance Bank and Lahanti Last Mile Services Pvt. Ltd.. He has also contributed to academia as a faculty member in economics and banking. Currently, he serves as an Independent Director of LuLu Finserv, bringing strategic insight, governance acumen, and deep industry experience.
Naif Ahamed is a financial services professional with extensive expertise in relationship management and strategic leadership. His career includes impactful roles at reputed organisations such as BNP Paribas, HSBC, and ICICI Bank, where he consistently drove growth across diverse markets and built long-term value for customers and stakeholders. With proven excellence in scaling operations and fostering sustainable growth, he now serves as the Deputy CEO of LuLu Finserv, strengthening the company’s leadership bandwidth as it continues to expand its reach and service offerings
Pathrose P P is the Head -Credit and Risk at LuLu Finserv. A postgraduate in commerce along with CAIIBand NCFM certifications, Pathrose comes with over 44years of experience in various credit related areas of the Banking Sector. Prior to joining LuLu Financial Services, he was associated with ESAF Bank as Head –Credit, heading the Credit Department, which sanctions all loan proposals including Microfinance Loans, Retail Loans, Agricultural Loans, MSME & Corporate Loans. Prior to ESAF Bank, he was with Federal Bank holding several key positions. He also has served as a guest faculty in Federal Bank’s Training College teaching credit related topics. He was nominated for various outside programs conducted by reputed training institutes like Southern India Bankers Training College, Bangalore; National Institute of Bank Management (NIBM), Pune; CAFRAL; and the Indian Institute of Management(IIM) Ahmedabad. With his industry knowledge and acumen, Pathrose has even formulated an array of key policy documents and credit rating frameworks during his earlier stints.
Ankit Sharma is a professional Chartered Accountant with over 14 years of experience in finance, taxation, compliance, and strategic planning. His expertise covers financial reporting under Indian GAAP and IFRS, taxation, audits, treasury management, and risk mitigation. He has held leadership roles in organizations such as Manappuram Finance, Manappuram Insurance Brokers, and Loharuka Hotels & Resorts before joining the LuLu Financial Holdings. At LuLu Finserv, he serves as AVP Finance, leading financial operations, regulatory compliance, fund management, and strategic planning. His contributions have been key to strengthening fiscal discipline, enabling growth, and aligning financial strategies with business goals.
Vibin Gopinath is the AVP Operations at Lulu Finserv. He has completed Master of Business Administration and is a seasoned
professional with 18 years of extensive experience in the NBFC, Banking, and Insurance sectors. Throughout his career, he has
demonstrated exceptional leadership in overseeing business operations and driving expansion initiatives across the states of Kerala and
Tamil Nadu. His expertise lies in strategic planning, risk management, and fostering growth in dynamic financial environments. Vibin is known
for his astute decision-making, which has consistently contributed to the success and sustainable development of the organizations he
has been associated with.
K. Ravindran is the Compliance Officer at LuLu Finserv. A postgraduate in science, he comes with 36+ years of experience, working in Reserve Bank of India, in the domains of regulation/supervision, forex and administration. He was associated with the inspection of major NBFCs headquartered in Kerala, besides looking after other regulatory compliance of such companies. Ravindran retired as Assistant General Manager, Reserve Bank of India, Thiruvananthapuram, Department of Non Banking Supervision.
