Management Team

Shruti Gonsalves

Chief Executive Officer & Managing Director

Shruti has over 21 years of expertise in project finance, appraisal, monitoring & evaluation systems and development financing, largely in the domain of microfinance and capacity building of member organizations and their staff.

She has extensive experience of working with various government ministries both at Central and State level, PSUs, Financial Institutions, Multilateral & Bilateral agencies in the area of development finance and financial inclusion; and setting up innovative financial services mechanisms, sustainable livelihoods both in urban and rural spaces. Significant part of her career has been in working with low-income families especially the women working in informal sector.

Shruti has leveraged on her entrepreneurial skills by being part of the core team that set up Government of Gujarat Livelihood Promotion Company and has also played a pivotal role in establishing SEWA Grih Rin Limited.

Shruti has a B.Sc. in Electronics, an LLB and an MBA in finance and management.

Vimal Kant Arora

Chief Information Officer

Vimal has an overall experience of more than 26 years in IT across broadband equipment, promotional goods, precision components for automobile, software and ITES.

He has worked in different domains and verticals at various positions, gaining experience on both sides of the table. His experience of entrepreneurship has imbibed him with the business acumen in further establishing operations of start-ups. His expertise lies in entrepreneurial skills, team building and management, business planning, designing and re-engineering of processes and systems, data analysis, communication and reporting.

Vimal has a B.Com and an MBA along with academic experience in the field of software development, networking, customization and implementation of SAP Platform.

Kashvi Malhotra

Company Secretary

Ms. Kashvi Malhotra has 13 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 has experience as a Company Secretary in organizations namely Intec Capital Limited and BLB Limited.

Jhummi Mantri

Chief Financial Officer

Ms. Jhummi Mantri has around 21 years of experience in Finance and Accounts. She started her professional career as a Management Trainee (Accounts & Taxation) in IFCI Limited, Head Office, New Delhi. Successfully climbing the ladder, she attained the post of General Manager in IFCI Limited and worked in the fields of Treasury, Corporate Accounts & Taxation, Corporate Planning, and Merchant Banking Services. She was previously working in Apollo International Limited (Head Office, Gurgaon) as Senior Vice President - Finance and Accounts.

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.

Shailendra Kumar Gupta

Chief Business Officer

Mr. Shailendra Kumar Gupta is an MBA – Marketing from MD University Rohtak and he has also done Executive MBA from IIM Lucknow, an astute and a competent Mortgage professional with more than 22 years’ experience in Credit, Risk administration, Sales & Debt Recovery, instrumental in building Business across Indian Markets. He has also served in Companies like PNB HFL, HDFC Bank, GE Money Housing Finance, Indiabulls Housing Finance & Aavas HFC in his past assignments.
Mr. Shailendra is adept at Business Development, Distribution management, credit appraisal & monitoring and structuring loan proposals, Portfolio management, and Risk management and a perfect Blend of Business, Credit Risk, Recovery, and overall Retail Finance management.
His core professional competencies includes Strategic sales & marketing , Staff development & management, Budgeting, forecasting & planning, Cross Functional Leadership.


In an endeavour to provide the best-in-class services to our loan borrowers, SEWA Grih Rin suggests that the borrowers should get their property and loan repayments insured to cover any unfortunate event during the re-payment term of the loan. For the convenience of customers, SEWA Grih Rin has tied up with various insurance companies to offer lucrative products and services for its borrowers.

SEWA Grih Rin does not render any insurance related services and the Borrowers shall be solely responsible for the Insurance products purchased through the Insurance Partners. Insurance is a subject matter of solicitation.