Our Founders
Vivek Kumar Pal
Co-Founder
NIVI Loans
Vivek Kumar Pal is the Co-founder of a fintech firm dedicated to revolutionising the way businesses and individuals access and manage financial services. With a strong foundation in technology and finance, Vivek plays a key role in shaping the company’s vision, strategic direction, and innovation in delivering digital financial solutions.
Before co-founding NIVI LOANS, Vivek had extensive experience in financial sector, working with prominent firms such as HDFC BANK and FULLERTON INDIA. This experience provided the expertise to understand market needs and trends, creating a perfect foundation for innovation in the fintech space.
As a leader, Vivek believes in fostering a collaborative, growthdriven culture, where innovation and agility drive the company’s success.
Chirag Gupta
Founder & Managing Director
NIVI Loans
Chirag Gupta is the Founder and Managing Director of NIVI LOANS, a company dedicated to empowering small and medium-sized enterprises (SMEs) with tailored financial solutions. With over six years of industry experience, Chirag specializes in business loans, financial advisory, and team leadership. Prior to founding NIVI LOANS, he held key roles at Fullerton India and A Money Solutions, where he built strong expertise in client relationships and strategic financial planning.
Chirag’s vision for NIVI LOANS is to provide SMEs with the financial tools needed for growth, expansion, and lasting community impact. His commitment to integrity, innovation, and client-focused service drives the company’s success and leadership in the financial services sector.
Bhuvanesh Goutam
Director Sales (Secured)
NIVI Loans
With over 12 years of experience in Sales, our operations leader brings a wealth of expertise and a proven track record of success. Having served as Business Head, he has honed exceptional skills in managing Home Loan and LAP products while leading large teams across multiple locations. Currently overseeing sales operations in 6 states and 59 branches, he is passionate, ambitious, and hardworking, committed to fostering growth and ensuring the continued success of the team.
Our Management Team
Rutuja Mali
Strategic Partnership & Growth Manager
Rutuja Mali has over 5 years of experience in forging impactful alliances and driving business growth.With a focus on both partnership development and growth strategy, Rutuja manages the entire lifecycle of partner relationships from initial negotiations and onboarding to ongoing collaboration and performance analysis.Prior to joining Nivi loans,Rutuja has contributed significantly to FIBE’s strategic initiatives by identifying high-value partners and aligning them with the company’s long-term objectives.
Anurag Agarwal
Head of Sales Development
As the Head of Sales Development at NIVI LOANS, Anurag is responsible fordriving revenue growth and leading the development of high-impact sales strategies. With a focus on expanding the sales pipeline, optimizing lead generation, and fostering strong client relationships, Anurag ensures the teamconsistently meets and exceeds targets. Known for a data-driven approachand keen market insight, Anurag plays a crucial role in refining sales processes, and mentoring a high-performing sales team.Prior to joining NIVI LOANS, Anurag has gained almost 20 years of experience in such roles where they developed a comprehensive understanding of the financial services landscape and refined their ability to navigate complex client needs.
Tejveer Singh Gill
Underwriting Expert
With 9 years of experience in underwriting, Tejveer leads the underwriting department with expertise in risk assessment, credit analysis, and decision- making that aligns with strategic business goals. As Head of Underwriting, Tejveer is responsible for setting credit policies, overseeing complex loan approvals, and ensuring compliance with regulatory standards.
Mala Badhai
Operations Manager
With 4 years of experience in loan processing, Mala Badhai serves as a dedicated Operation Manager specializing in streamlining loan application procedures and ensuring efficient, compliant processing for clients. Her expertise spans all aspects of loan documentation, verification, and customer service, allowing her to deliver a smooth and accurate loan processing experience.