Management Team

Ajesh A

Managing Director & Chief Executive Officer

Ajesh comes with over 24 years of experience in the financial services industry, Ajesh is responsible for driving the company’s strategic direction, growth, and transformation.
Before joining SEWA Grih Rin Limited, Ajesh had a distinguished 14-year tenure at Bajaj Finance Limited, where he most recently served as Executive Vice President, leading the SME vertical. During his tenure, he managed a portfolio of ₹57,000 crore across a diverse range of businesses, including business loans, affordable secured loans, Prime LAP, affordable housing loans, equipment finance, and professional loans. Ajesh was responsible for overseeing a team of more than 6,000 professionals across sales, underwriting, and collections, operating in over 2,500 locations across 24 states. Over the course of his career, Ajesh rose through the ranks from Regional Sales Manager to Executive Vice President, playing a pivotal role in building and scaling the SME vertical.
Earlier in his career, Ajesh gained valuable experience at leading financial institutions, including Standard Chartered Finance Limited, HDFC Bank, India Bulls Financial Services, and Reliance Consumer Finance, where he worked extensively across the business loan, personal loan, and consumer finance segments, laying a strong foundation in financial services.
Ajesh holds an MBA in Sales and Marketing from the Sriram Institute of Management, University of Madras.

Aamir Zubair

Chief Product Officer

Mr. Aamir Zubair, a graduate of IIT Kanpur, brings with him a rich background in product innovation, digital transformation, and leveraging digital channels to drive business growth. Prior to joining SEWA, he served as Head of Products – Unsecured Loans at Hero Fincorp. He has also held leadership roles at Bajaj Finserv and IndusInd Bank, where he was instrumental in building digital businesses from the ground up, streamlining processes, optimizing cost structures, and developing advanced models for risk segmentation and campaign management.
At SEWA, Mr. Aamir leads the Centre of Excellence (CoE). In this role, he is responsible for driving strategic initiatives across key functions including data science, product and strategy, project management, marketing and campaigns, and learning and development. His deep domain expertise and forward-thinking approach position him as a key driver of innovation and growth within the organization.

Ayush Jindal

Company Secretary

Mr. Ayush Jindal is a seasoned compliance professional with over 8 years of experience in NBFC regulations, corporate governance, and legal documentation. He has worked with Moneywise Financial Services (SMC Finance) as Chief Compliance Officer and previously held key roles at Dhara Motor Finance, Kotia Enterprises, and Adventz Group. His expertise includes RBI and ROC & SEBI compliance, regulatory filings, risk management, and Fund Raising. Known for his strong analytical and legal skills, he has contributed significantly to financial governance and compliance automation.

Bhavesh Niranjan Patel

Chief Operations Officer

Mr. Bhavesh Niranjan Patel holds a Bachelor of Commerce degree from the University of Gujarat. With over three decades of extensive experience in retail loan operations, he has successfully led large-scale teams and implemented operational excellence across diverse financial products with reputed organisations.
Bhavesh started his career at Gujarat Lease Financing Limited (GLFL), where he managed retail loan operations for consumer finance and mortgages. He then spent more than two decades at ICICI Bank, where he served as Head of Retail Loan Operations, overseeing a vast network of 250+ branches and four centralized operations hubs, supported by a team of over 5,000 employees. His expertise spans mortgages, vehicle loans, personal loans, business loans, and consumer finance.
He was also engaged as a Consultant with Jio Finance Ltd. where Mr. Bhavesh played a pivotal role in developing a comprehensive operational framework for a new NBFC driving customer service, focusing on enhancing efficiency and ensuring regulatory compliance. His leadership, operational acumen, and commitment to excellence continue to drive transformative outcomes in the financial services sector.

Gaurav Gaba

Chief Business Officer

Mr. Gaurav Gaba is a Chartered Accountant with a Bachelor of Commerce degree from Panjab University, Chandigarh. He is a seasoned leader in the financial services sector with over 20 years of experience and has successfully led large-scale operations, driving growth, profitability, and innovation.
An expert in framing sales strategies and business plans, Mr. Gaurav has been instrumental in establishing distribution networks and strengthening customer segmentation. His hands-on approach is deeply involved in market development, team performance tracking, business health maintenance and aligning team efforts with organizational goals.
With a proven track record at leading organizations such as Bajaj Finance, HSBC Bank, HDFC Bank Limited, and CITI Financial Consumer Finance India Ltd. etc, Mr. Gaurav Gaba's leadership continues to shape sustainable growth and innovation in the financial services sector.

Kashvi Malhotra

Chief Compliance Officer

Ms. Kashvi Malhotra has 16 years of experience in Compliance. She has worked as Head - Compliance & Legal in organizations namely SGJK Technology Private Limited and FincFriends Private Limited. She has worked as Senior Manager – Legal & Compliance in Onicra Credit Rating Agency of India Limited. She has also worked as Assistant Manager – Compliance in BMW India Financial Services Private Limited. She also has experience of working as a Company Secretary in organizations namely Intec Capital Limited and BLB Limited.

Mohd Shakil Khan

Chief Credit & Collections Officer

Mr. Mohd. Shakil Khan is a distinguished professional with over 25 years of expertise in retail credit risk management, risk mitigation, data analysis, compliance, collections optimization, and audit management. He has vast experience in managing end-to-end delivery for large businesses, acquiring new clients, servicing key accounts, and navigating organizations through critical mergers. He has also played a vital role in stabilizing and integrating processes post-acquisition.
A strategic leader and team architect, Mr. Khan has a proven track record of driving continuous performance improvements, fostering a culture of teamwork and shared mission, and delivering exceptional service to business clients. With deep expertise in affordable housing finance, he has been instrumental in setting up process frameworks, leveraging technology, and driving business outcomes.
Mr. Khan has held leadership roles at prominent organizations, including Aditya Birla Housing Finance, Tata Capital Housing Finance, Capital First, ICICI Bank, and Vastu Housing Finance Corporation. His extensive experience across diverse product lines and his ability to align risk strategies with business goals have made him a key contributor to the growth and sustainability of the financial services sector.

Nagendra Saxena

Chief Risk Officer

Mr. Nagendra is an engineer and has done post-graduation in Management. He has more than 28 years of experience in various finance and accounts related functions viz. project finance project evaluation, financial modelling, accounts, budgeting & planning and MIS. He has vast experience of dealing with various financial and investment institutions, PSU and private banks for raising fund & non-fund based facilities to meet working capital and project requirements. Mr. Nagendra Saxena being a senior official in the Company possess the requisite professional qualification and experience which will help the Company in the process of identification, measurement and mitigation of risks. He also has experience of interfacing with foreign banks & institutions viz. Commonwealth Development Corporation, Bankers Co. etc. for due diligence of projects. He also has experience of working with regulators (National Housing Bank) and rating agencies. He has worked for companies in housing finance, real estate and steel sector. He was also involved with screening of new projects and conducting feasibility studies, undertaking business process re-engineering initiatives, preparing financial models for business development and analysing requirements, thereby customising systems.

Ronald Mathew Verghese

Chief Technology Officer

Mr. Ronald Mathew Verghese is a seasoned and results-driven IT professional with over 18 years of extensive experience in the Banking, Financial Services, and Insurance (BFSI) sector. He possesses a proven track record of leading high-performing teams and fostering a culture of continuous improvement and innovation.

Throughout his career, Mr. Ronald has successfully managed a dynamic portfolio of enterprise applications, software assets, and technology integrations. He brings in-depth expertise in the Lending and Customer Relationship Management (CRM) technology landscape, along with strong capabilities in data architecture design, implementation, and system integration.

Mr. Ronald holds a Master of Business Administration (MBA) with a specialization in Marketing. His professional journey includes significant roles in reputed organizations such as IDFC First Bank, CRISIL Limited, and most recently, Piramal capital & Housing Finance, where he serves as Senior Director. With a strategic vision and a focus on innovation, he continues to play a pivotal role in shaping technology-led transformation in the financial services domain

Udit Kariwala

Chief Financial Officer

Udit Kariwala is a seasoned finance leader with over 13 years of experience in the financial services industry, specializing in strategic planning, capital markets, and investor relations. He has held leadership roles in reputed Indian and global institutions, demonstrating strong financial acumen and a consistent track record across varied market cycles.
He most recently served as the Chief Financial Officer at Vastu Housing Finance Corporation Limited, where he also led the Products and Strategy function. His expertise spans fundraising across equity and debt markets, business planning, investor communications, and performance management.
Mr. Kariwala has previously worked with HDFC Bank, UBS Securities, Fitch (India Ratings & Research), and Ambit Capital, gaining comprehensive exposure to equity research, credit ratings, and structured finance. Known for his analytical rigor and strategic clarity, he brings a collaborative, long-term approach to leadership and is widely regarded as a trusted partner to stakeholders.

Vimal Kant Arora

Chief Information Officer

Mr. Vimal is a seasoned Chief Information Officer with over 30 years of diverse experience spanning IT, digital transformation, and business leadership across industries like broadband equipment, ITES, and precision automotive components. Starting with expertise in software development, networking, and SAP customization, he has grown into a strategic leader adept at aligning technology with business goals, leading large-scale IT initiatives, and fostering innovation.
Known for his entrepreneurial acumen, Mr. Vimal has successfully established start-up operations, mentored high-performing teams, and implemented governance frameworks to drive cost efficiencies and operational excellence. He holds a B.Com and MBA, with additional credentials in IT systems and process optimization.

Vinod Kumar Singh

Chief Information Security Officer

Mr. Vinod Kumar Singh, an IT professional with nearly two decades of experience, specializes in maintaining secure and efficient IT infrastructure while ensuring high service standards and productivity. Holding a Bachelor of Computer Applications (BCA) degree, Mr. Singh has extensive expertise in IT Infrastructure Management, Security Administration, Data Center Operations, Technical Support, and Troubleshooting.
Starting his career in 2006, Mr. Singh has consistently demonstrated excellence in driving secure IT operations, managing diverse teams, and enhancing organizational IT performance. His commitment to innovation and operational integrity has positioned him as a trusted leader in the field of Information Security.