The Butterfly Effect
As keen students of Financial Systems in general and of the credit systems driving businesses in India in particular, we discovered an extremely skewed Supply of Viable Credit Vs Demand.
It emerged that “Credit challenge in India is fast becoming insolvable due to a combination of risk aversion, appraisal issues, widespread fraud and minimal engagement between lenders and borrowers.”
CreditSiddhi is the outcome of the efforts to make this insolvable challenge into a plausible solution.
The Outcome
At CreditSiddhi, our objective is to redefine the credit ecosystem by creating a platform for Financial Institutions and Enterprises to collaborate at an unparalleled scale. We leverage AI and big data capabilities that enable demand aggregation, efficient loan origination, 360-degree appraisal, quick disbursement and effective monitoring of loan portfolio.
We envision an ecosystem that speeds up the process of credit for enterprises while empowering financial institutions to minimize delinquency, thus creating a positive spiral of business growth in the country.
Chetan Pandya
A Fintech professional before it became fashionable.
Starting his career in 1995 as Equities Sales trader, he transitioned to Fintech in 2000. Since then has co- created, scaled, run, managed P&L and monetized complex pieces of technology ranging from Equities & derivatives trading to Lending & Bank in the Box on cloud
In course of work he has been able to successfully break multiple stereotypes and produce points of excellence in work area by sheer hard work and persistence.
He is an MBA in Finance from IMS Indore and also CISSP certification holder from (ISC)² USA
Sajal Gupta
Sajal is an entrepreneurial leader with 30+ years of experience in establishing new businesses in start-ups as well as large multinational technology organizations.
He has led investments and creation of businesses in India and International markets across US, Europe, and APAC. Developed businesses in new market segments, new geographies while managing $100M P&Ls and delivery with high growth, profitability and customer engagement.
Swati Roy , Chief Technology Officer
Swati Roy's leadership as Chief Technology Officer since July 2024 has been transformative. With over 19+ years of experience, she brings a wealth of expertise and innovative thinking that has significantly accelerated our technology initiatives. Previously Ms. Swati served as Engineering Manager and Portfolio Manager from 2019 to 2024 at Wesco, and Reserve Bank Information technology Pvt Ltd. Ms. Swati also held various positions in respective companies like ACS A Xerox , WIPRO, IBM , Accenture .Ms. Swati was also held position as PTEG member at RBI for various departments.
Ms. Swati has expertise in managing businesses and operations of complex global organizations, managing complex and large programs in BFSI and IOT domain. She has done her masters in computer science from Utkal University. She has done 1 Yr executive program from IIM, Kolkata. She is PMP, ISO 27k Auditor certified by BSI and CSP SM certified.
Sujit Desai , Head of Operations
27+ years in financial services and entrepreneurship
Business development & sales, Credit Ops, coupled with leadership in complex product rollouts. Deep experience in managing 3rd party products and network management
Nitin Pardesi , Head of Sales & Marketing
Nitin is a sales leader with 27 years of experience repeatedly producing, improving and sustained Growth of businesses in various fields Forex, Cash margin products , Remittances DMT/IMT, TPD, VAS, Debt products, through Franchisee, network, collaborations and direct sales.