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Josna BelkaruniChief Human Resources Officer

Josna Belkaruni · Chief Human Resources Officer · India

Growing responsibility for how work is organised

Chief Human Resources Officer

Kerumati Housing Finance

Sector
Regional housing finance
Ownership
Founder-majority private company with institutional minority
Company scale
₹214 crore FY2025–26 income
Employees
460
Geography
Madurai; 32 branches across Tamil Nadu and Kerala
Reporting to
Chief Executive Officer
Team
Eighteen HR colleagues through four leads
Financial scope
₹3.8 crore FY2026–27 HR function budget; separate from enterprise employee cost

Mandate

Improve the clarity of branch responsibilities, leadership movement and the joining experience.

Outcomes

  • Resolved eighteen acting-role reviews with ₹22 lakh approved pay adjustments
  • Opened assessment for twelve leadership opportunities and completed ten appointments
  • Introduced early-tenure reviews after a 27-of-104 voluntary exit cohort

Decisions in context

I took responsibility for the people function during a period that required close attention to communication and continuity. As immediate pressures eased, I focused on employment arrangements that had become informal through repeated exception. Acting duties, manager-controlled nominations and inconsistent induction each involved a real operational need, but the employee's position was not always clear. I worked with operations and finance to put the decision and its cost into the same discussion. The role includes presenting workforce matters to the board's nomination and remuneration committee by invitation; it does not make me a director or a committee member. I lead eighteen colleagues and a defined function budget. The company's loan portfolio describes our business context, not lending authority delegated to HR. My current priority is to make these practices dependable without requiring every difficult branch question to reach me personally.

Reason for the move

Current role; developing successors before considering a broader CHRO appointment.

Head of Workforce and Employee Relations

Kerumati Housing Finance

Sector
Housing lending through a branch network
Ownership
Founder-majority company; minority institutional investment during tenure
Company scale
₹92–168 crore annual income over tenure
Employees
220–390
Geography
Twenty, later 28 branches in Tamil Nadu and Kerala
Reporting to
Chief Human Resources Officer
Team
Eleven HR and employee-relations staff
Financial scope
₹1.7 crore annual team and programme budget by March 2020

Mandate

Connect branch staffing decisions with organisation design and consistent employee relations.

Outcomes

  • Established a quarterly review of temporary branch assignments
  • Documented release plans for 23 internal employee moves
  • Introduced a common evidence record for employee-relations reviews

Decisions in context

The broader workforce remit made me accountable for patterns that individual branch visits had only hinted at. I could see how a succession decision in one location created pressure in another, and how managers used temporary duties to bridge gaps that had no agreed end. We began reviewing those arrangements regularly, although the later acting-role exercise showed that the process still relied too heavily on managerial reporting. I also worked on internal moves, asking for the releasing branch's staffing plan rather than treating transfer approval as a complete transition. Employee-relations work required careful evidence and appropriate advice, with a distinction between a complaint, a finding and a management action. This appointment taught me to bring operational continuity and the employee's explanation into the same conversation, without pretending they would always point to an easy solution.

Reason for the move

Promoted to CHRO after the previous leader's planned departure.

Regional Human Resources Manager

Kerumati Housing Finance

Sector
Regional housing finance
Ownership
Founder-owned private company
Company scale
₹38–92 crore annual income over tenure
Employees
105–220
Geography
Eight-branch regional remit within a growing southern network
Reporting to
Head of Human Resources
Team
Four regional HR officers
Financial scope
₹58 lakh regional HR and training budget at departure

Mandate

Support branch staffing and improve the evidence used in early-tenure and employee-relations decisions.

Outcomes

  • Introduced first-month conversations for joiners across eight branches
  • Built a regional cover plan for twelve recurrent training sessions
  • Reduced incomplete employee handover records from 34 to fourteen in a reviewed cohort

Decisions in context

I travelled regularly across eight branches and learnt how different the same role could feel in different locations. The availability of a supervisor, the distance between visits and the experience of colleagues shaped a new employee's day more than the central induction presentation. I began speaking with joiners after their first month and comparing their account with the manager's expectations. That did not replace performance assessment; it improved the questions we asked before deciding what support or action was appropriate. My team also planned cover for training so that attendance did not simply transfer workload to somebody else. The role required me to make choices within a modest regional budget and to explain which issues needed a company-wide response. It prepared me to see branch staffing as an organisation system rather than a series of isolated recruitment requests.

Reason for the move

Moved to the central workforce role as the branch network expanded.

People Operations Officer, later Senior Officer

Kerumati Housing Finance

Sector
Housing finance branch operations
Ownership
Founder-owned private company
Company scale
₹14–38 crore annual income over tenure
Employees
48–105
Geography
Madurai and nearby branch locations
Reporting to
Human Resources Manager
Team
Individual contributor; coordinated with six branch administrators
Financial scope
Maintained employee records and training schedules; no compensation approval budget

Mandate

Make employee movements and temporary duties traceable through clear records and review dates.

Outcomes

  • Introduced a start-and-review record for temporary assignments
  • Reconciled employee movement records across six branch administrators
  • Coordinated twelve induction groups with named local supervisors

Decisions in context

My first housing-finance appointment brought me closer to the employment decisions behind payroll and records. I supported a branch network where local managers often improvised to cover absence or growth. I recorded temporary duties with their purpose and review date, then followed up when the arrangement changed. I had no authority to approve compensation and learnt to avoid giving an employee an assurance before the responsible manager had made the decision. Induction coordination also showed me the difference between attending a programme and receiving useful support at the branch. We named a local supervisor for each group and checked that employee movement records matched the work being assigned. The promotion that followed reflected my ability to connect administrative detail with a practical management question, rather than simply complete forms more quickly.

Reason for the move

Promoted to regional HR management with responsibility for a larger branch group.

Payroll and Personnel Assistant

Nelavrita Service Associates

Sector
Workplace administration and support services
Ownership
Privately owned local company
Company scale
₹3–8 crore annual revenue over tenure
Employees
70–155
Geography
Tirunelveli
Reporting to
Personnel Supervisor
Team
Individual contributor within a four-person administration team
Financial scope
Prepared payroll inputs; no authority to approve employment terms or release payments

Mandate

Check attendance and allowance inputs and explain differences before supervisory approval.

Outcomes

  • Prepared supported monthly inputs for up to 155 employees
  • Introduced a supervisor-approved allowance-change query log
  • Helped two new administrators learn the payroll preparation sequence

Decisions in context

I started with attendance records, allowance instructions and the supporting explanations needed for payroll approval. The work required accuracy, but it also exposed unclear decisions. When an employee questioned a change, I could not settle the matter by repeating the calculation. I had to trace the instruction and refer the employment question to the supervisor. The query log I helped introduce retained that distinction, so a correction to an input was not confused with approval of a new term. I later supported two incoming administrators and learnt how easily a process could depend on one person's memory. I did not release payments or negotiate conditions. This early role gave me respect for the consequences of an apparently small record error and the motivation to move closer to the management decisions those records were supposed to reflect.

Reason for the move

Joined a housing lender to develop experience nearer to branch workforce decisions.

What I am looking for next

I would consider a CHRO appointment at a branch-based financial or business-services enterprise where growth has outpaced the clarity of roles and employment decisions. The remit should include organisation design, leadership development and a constructive partnership with operations, rather than recruitment volume alone. I would want to understand the ownership timetable, the authority of the people function and the capacity of line managers before accepting a transformation brief. My experience comes from regional housing finance and practical employee relations; I would not imply specialist competence in every labour jurisdiction or a large multinational's remuneration structures. Any move would require a planned handover and development of successors in my present team. I would also consider one first board discussion where workforce judgement is a missing capability and employer consent is possible. I am not offering introductions to candidates or access to confidential employee information as part of that prospective contribution.