Team

Operators, not intermediaries

Three functions, one machine: the people who design the credit, raise the debt, and make the book perform.

Financial product & technology

The credit brain — and the stack it runs on

Financial Product

Scaled CRED's lending book ₹2,000 Cr → ₹18,000 Cr in 2.5 years.

Earlier: Stellaris Venture Partners, BCG, Credit Suisse, HSBC. IIM Lucknow · IIT Kharagpur.

Product & Analytics

Built CRED Cash's strategy & finance vertical (₹500 Cr → ₹20,000 Cr) and CRED Mint to ₹1,500 Cr AUM.

Earlier: American Express, EXL. IIT (BHU) Varanasi.

Institutional debt, brought to young books

Capital Markets & Structured Finance

12+ years in structured credit: HPS Investment Partners, Och-Ziff, Deutsche Bank.

Leads D3T Capital (£355M allocations). IIM Ahmedabad · IIT Kharagpur.

Capital Markets, Partnerships

15+ years in structured finance and cross-border capital markets:

JPMorgan (ED), DEMICA, Lloyds Banking Group. NYU.

Structured Credit & Securitisation

15+ years in ABS structuring and trading:

Barclays CIB; nearly a decade at RBS across NPL, real estate and consumer books. IIM Ahmedabad · IIT Roorkee.

Capital Markets, Partnerships

12+ years in consumer structured finance, private equity and leasing:

HPS Investment Partners, Deloitte UK, KPMG. LSE · ICAEW (CA).

Where credit quality is actually made

Lending Partnerships & Compliance

15+ years in retail and corporate banking:

Partnerships, collections and servicing operations across ICICI Bank and Bajaj Allianz. St. Xavier's · SIBM Pune.

Underwriting & Collections

Collections analytics, agent networks and recovery strategy for high-volume unsecured books.

Earlier: Amazon, IBM.

An eighteen-person underwriting, collections and reconciliation floor operates behind this leadership group.

Work with us

Every engagement is run by the people on this page — not a delivery team you meet after signing.