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.

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.

Mr. R. Ramasubramanian

Chief Operation Officer

Mr. R. Ramasubramanian brings over 18 years of extensive experience in the Banking, Financial Services, and Insurance (BFSI) industry. He has a seasoned leader with deep expertise in operations, customer service, process excellence, and risk management. Throughout his career, he has demonstrated a strong track record in establishing robust operational frameworks, leading digitization initiatives, and enhancing customer experience across large-scale financial institutions.
Prior to joining Sitara, Mr. Ramasubramanian held senior leadership roles at Bajaj Housing Finance Ltd, where he successfully led both central and branch operations across the country.

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.

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.