Ravi moved in as MD & CEO of Shriram Housing in Nov 2018. He has an experience of over two decades in the banking and financial services sector across organizations like HSBC, Citibank & ANZ Grindlays. He has successfully led independent businesses with complete P&L accountability for over a decade, and has served in senior management positions for diverse functions ranging from business process, reengineering to heading businesses.

He joined the Shriram Group in the year 2010 as an Executive Director in Shriram City and has since then been involved in building and growing the SME lending business before moving into the current role.

Ravi holds a Management degree from IIM – Bangalore.

Mr. Hemant Mundra serves as a Nominee Director at Vistaar Financial Services Private Limited, Avanse Financial Services Limited, and Parksons Packaging Limited. He is also a Principal at Warburg Pincus India Private Limited (WP India), where he focuses on investments in the Financial Services and Consumer sectors. Mr. Mundra has been involved in several investments under the Warburg Pincus group, including Fusion Micro Finance Limited, Home First Finance Company India Limited, Avanse Financial Services Limited, Vistaar Financial Services Private Limited and Parksons Packaging Limited.

He holds a B.Tech. in Chemical Engineering from the Indian Institute of Technology, Bombay (IIT-Bombay), a Postgraduate degree from the (IIM-A) Indian Institute of Management, Ahmedabad, where he was a gold medallist. Additionally, he is CFA Level 3 certified by the CFA Institute.

Mr. Ajay Kumar Choudhary is a distinguished central banker with over three decades of service at the Reserve Bank of India (RBI), culminating in his role as Executive Director in October 2023. He has made significant contributions in banking regulation, supervision, and FinTech, particularly in the implementation of the Basel III Framework and regulatory initiatives like the Central Bank Digital Currency (CBDC). Mr. Choudhary played a pivotal role in launching innovative projects such as the RBI Innovation Hub and the Platform on Frictionless Credit.

He also represented India in international forums, including heading the RBI team for the Regulatory Consistency Assessment Programme (RCAP). Mr. Choudhary holds a Master's degree in Physics and his qualifications include Certified Associate of Indian Institute of Banking and Finance (CAIIB).

Mr. Ajay is presently a Non-Executive Chairman and Independent Director at National Payments Corporation of India (NPCI) and holds Director positions in NPCI’s group companies

He has also published research on critical banking topics including on the subject of Countercyclical capital buffers, Capital requirement for sovereign assets, Default Experience of Credit Rating Agencies in India, Corporate Insolvency Regime and its Implications for the Indian Banking system.

We are honoured to have him as a distinguished member of the Company's Board.

Mr. Arvind is a results-driven industry leader with over four decades of global experience in the financial services sector. He has held key Board and CXO roles, with expertise in leadership, strategy, technology transformation, and innovation across banking and NBFCs.

His career spans the establishment and growth of new banks and NBFCs, reimagining existing ones, managing mergers and sales, and implementing modern technology platforms. Known for his strong understanding of business, technology, and risk management, Mr. Arvind has successfully led large teams and delivered exceptional customer experiences.

He currently serves as a Director at MCX and on the Advisory Board of several fintech companies while also being an active angel investor and venture capitalist.

Mr. Arvind holds a Bachelor of Arts (B.A. Hons) degree from Delhi University and a Master of Business Administration (MBA) with specializations in Marketing and Finance.

We are honoured to have him as a distinguished member of the Company's Board.

Ms. Rao is a seasoned technology leader with 35 years of experience in the Information Technology (IT) industry, currently serving as an Advisor for Strategic Technologies to Banking, Financial Services, and IT organizations. She was the Chief Technology Officer (CTO) at Kotak Mahindra Bank and its group companies for over a decade, and prior to that, worked at Polaris Software/Intellect and Citigroup. With deep expertise in banking technology, she played a key role in developing world-class banking products for Intellect’s clientele.

She has a strong background in business setup, M&A, and guiding organizations through public listings.

She holds BSc degree from St. Xaviers College, Ahmedabad, MBA degree from Gujarat University and Master’s degree in Computer Information Systems from the University of Maryland, USA

We are honoured to have her as a distinguished member of the Company's Board.

G S Agarwal is a dynamic professional with over 30 years of experience in Fund Mobilisation, Treasury Management, Planning & Strategy, Budgeting, Accounts, Compliance, MIS and Operations. He has worked in various areas in conceptualizing & executing financial procedures with Working Capital Management, Profit Monitoring and building Internal Financial Controls. His last role was with Magma Housing Finance Limited as CFO with additional role as Group Treasury Head of Magma Group where he was responsible for Treasury Function for entire group. He has been a rank holder Chartered Accountant and enjoys excellent relationship with various Banks and Financial Institutions along with debt capital market

Nagendra comes with close to 24 years work experience, 16 of which have been with Citigroup & HSBC in consumer banking. In his career, he has held varied Sales leadership positions across consumer finance, unsecured lending (Cards & Personal Loans), Debt Management, Acquisition, Mortgages, Insurance, Liability & Customer Service. Nagendra joined Shriram City Union Finance Limited in Oct 2017, where he served as the Business Head of Unsecured Loans and Corporate Loans, before moving into this new role at SHFL in Nov 2018. He holds an MBA degree from Symbiosis University Pune.

Shivram is a seasoned professional with a rich and diversified experience of over 25 years in managing credit and risk function across various product lines. His last assignment was with Reliance Commercial Finance Limited as Head-Policy and Risk for SME products. Prior to that, he was associated with Muthoot Housing Finance, Bajaj Finance and ABN AMRO Bank where he managed Credit and Risk function for various products viz Housing, Mortgages and Construction equipment. Shivram is a Commerce graduate and has done his MMS in Finance from K. J. Somaiya Institute of Management Studies & Research, Mumbai. He has been associated with SHFL since May 2019.

Easwaran is a senior Human Resource professional with around 26 years of global HR experience spanning across countries and over industry verticals such as Banking & Financial Services, IT, ITES, Retail, Logistics & Services sectors. Easwaran has earlier worked in senior roles with reputed organizations such as Barclays Bank (in India & Mauritius), Development Credit Bank, Bank Muscat International (Bahrain), Azizi Bank (Afghanistan), VFS Global Services, Capita plc, etc. He holds a master’s degree from Symbiosis University Pune and has been associated with SHFL since March 2019.

With nearly three decades of extensive experience in technology leadership, Dinesh Gangwani has held key roles in organizations such as HSBC, Axis Securities, Piramal Capital & Housing Finance, and Mahindra & Mahindra Financial Services Ltd. In his most recent role, he successfully led digital transformation initiatives and built a greenfield business at Mahindra Finance. As the Chief Technology Officer at SHFL, Dinesh drives the organization’s overall technology strategy to enable business growth, enhance operational efficiency, and deliver superior customer experiences. Dinesh holds a Bachelor’s degree in Computer Science Engineering and is passionate about leveraging technology to innovate and create meaningful impact in the affordable housing finance sector.

Amit comes with an experience of 18 years in various capacities across BFSI industry and has an extensive experience of driving analytics driven strategies in consumer finance. He has worked across both B2B & B2C domains and has spent considerable time in Sales, Business Development and Strategy functions across companies like Citigroup & GE Capital. He joined the group in Jan 2018 as Sales Head for Personal Loans for Shriram City Union Finance. He was previously associated with Tata Teleservices as P&L Head for Mumbai region. He currently manages the Marketing, Customer Service & Insurance Distribution functions for SHFL. He also presently manages a few strategic projects for the parent company – Shriram City Union Finance Limited. Amit holds a Management degree from the Indian Institute of Management, Lucknow.

Sandeep is a Digital Transformation leader with over 21 Years of cross functional experience across BFSI and Smart Card Industry. He has worked in formulating and implementing digital strategy, product and service roadmaps for Fullerton India Credit Company and IIFL Finance Limited. He has extensive experience in digital Payments, Credit cards, Digital Banking across companies like Standard Chartered Bank and ICICI Bank. He has joined SHFL in July 2021 as Chief Digital Officer and has been spearheading the digitization and innovation at SHFL. Sandeep is an Engineer who did his MBA from FORE School of Management, New Delhi

Leena is a seasoned professional with over two decades of rich experience in the financial services industry leading Operations, Customer Service, Customer Retention, Contact centre management, Complaints Management, Regulatory Compliance, Vendor management and Process re-engineering, with a track record of sustained excellence. She was last working with Poonawalla Housing Finance Ltd. (earlier Magma Fincorp Ltd.) as Head of Operations and Customer Service. In the past, she was associated with DHFL, Citibank NA, CitiFinancial Consumer Finance and MetLife India Insurance. Leena is a graduate in Commerce and has completed her MBA from Institute of Technology and Management, Mumbai

Umesh is a seasoned professional in Real Estate financing. He has over 20 years of experience in various business roles like Origination, Relationship Management, Credit Due Diligence, Portfolio Management and Risk Management. His professional expertise spans across product lines-Real Estate finance, Structured Finance, SME, Mid Corporate Banking and Retail Mortgages. His last assignment was with InCred Financial Services Ltd., where he served as the Director and Business Head (Real Estate Finance). His past experiences have been across ICICI Bank, Standard Chartered Bank and TATA Capital. Umesh holds an MMS & MBA from Mumbai University and has been associated with Shriram Housing since June 2019.

Satinder brings with him more than 22 years of experience in Sales & Collections. He has previously been associated with reputed organizations like Reliance ADAG, India Infoline Housing Finance Ltd. & Citigroup. In his last assignment with Reliance Commercial Finance as Head Collections - Retail, he played a significant role in building a strong collection vertical managing both consumer & corporate loan book. Satinder is a Postgraduate by qualification and has been associated with Shriram Housing since April 2019.

Sanjiv has 33 years of experience in Retail Lending covering Sales, Business Development, Products and Policies, Risk Management, Collections, Analytics and Operations functions. His last assignment was with Fullerton India Credit Co. Ltd as General Manager & Head - Operations, Customer Service & PMO, based in Mumbai. In the past he was associated with DHFL, Haryana Distillery, Hitkari Fibres and Ansal Housing. Sanjiv is a Post Graduate in Economics from Jabalpur University and holds a Post Graduate Diploma in Business Management.