Credflow is a plug-and-play model for B2B businesses to reduce their working capital needs and increase growth and profits. We automate Accounts Receivables & Payables for SMEs and solve the working capital needs of SME / MSME partners with a data and product-driven approach

Innovating Retail lending business in the Southeast Asian markets with Product, Tech, Data Science, and Alternative Lending Models while partnering with BFSI players for scalable Co-lending, Channeling and Joint Lending Models!

1. Established the largest Supply Chain Finance Program in the pre-owned car sector, financing over 90,000 vehicles 2. Realized an annual turnover of INR 800 Crores3. Served as Technology and Business Lead for the Asia, Middle East, and Latin America markets4. Developed an Inventory Lending program to assist dealer partners, boosting lending penetration from 8% to 48%5. Created a Product & Data Science-driven risk scorecard to facilitate process automation, early warning… Show more 1. Established the largest Supply Chain Finance Program in the pre-owned car sector, financing over 90,000 vehicles 2. Realized an annual turnover of INR 800 Crores3. Served as Technology and Business Lead for the Asia, Middle East, and Latin America markets4. Developed an Inventory Lending program to assist dealer partners, boosting lending penetration from 8% to 48%5. Created a Product & Data Science-driven risk scorecard to facilitate process automation, early warning signals, operational efficiency, and profitability6. Achieved over 300% year-over-year growth and maintained an 80% retention rate among dealer partners7. Acted as a Global Executive Leadership Team member and business leader within the Product, Data Science and Technology team, advocating for product automation and adoption in Asia and LATAM. Show less

1. Developed the industry’s first-floor financing program for used car dealerships, scaling to 40,000 cars annually. 2. Made a significant impact on the C2B business with the lending program, achieving over 50% share of the business. 3. Established the retail financing marketplace, collaborating with more than 15 lenders and overseeing a team of over 600 members. 4. Created an in-house lending platform, complete with risk scorecards, underwriting processes, and collection… Show more 1. Developed the industry’s first-floor financing program for used car dealerships, scaling to 40,000 cars annually. 2. Made a significant impact on the C2B business with the lending program, achieving over 50% share of the business. 3. Established the retail financing marketplace, collaborating with more than 15 lenders and overseeing a team of over 600 members. 4. Created an in-house lending platform, complete with risk scorecards, underwriting processes, and collection capabilities. Show less

1. Led the launch of the industry's first e-commerce merchant financing marketplace, forming partnerships with over 15 banks, NBFCs, and fintech firms.2. Expanded the lending program to achieve an annualized turnover of INR 2,400 Cr (USD 40 Mn), making it the largest in the e-commerce merchant financing sector.3. Developed a cash-flow-based lending program in collaboration with leading public and private sector banks for MSMEs, featuring digital underwriting and comprehensive API… Show more 1. Led the launch of the industry's first e-commerce merchant financing marketplace, forming partnerships with over 15 banks, NBFCs, and fintech firms.2. Expanded the lending program to achieve an annualized turnover of INR 2,400 Cr (USD 40 Mn), making it the largest in the e-commerce merchant financing sector.3. Developed a cash-flow-based lending program in collaboration with leading public and private sector banks for MSMEs, featuring digital underwriting and comprehensive API integration to ensure a smooth loan process, marking a first in the e-commerce financing landscape.4. Co-designed a lending program tailored to accommodate a diverse range of e-commerce merchants, with ticket sizes from INR 1L to 50 Cr and financing partners.5. Rapidly scaled top categories such as mobile, electronics, large appliances, and branded fashion, achieving over 90% partner retention and maintaining a zero default rate Show less

1. Developed and built a robust network of over 32 dealers for the Light Commercial Vehicle (LCV) division, focusing on selection, due diligence, infrastructure, and activation. 2. Collaborated with regional Non-Banking Financial Companies (NBFCs) to create retail lending products and coordinated with banks/NBFCs for Dealer Inventory Funding. 3. Worked alongside Credit Rating agencies and the headquarters team to ensure timely dealer due diligence.

1. Financial Controller at India's largest automotive company, boasting over $2 trillion in market capitalization and $44 billion in annual revenue, overseeing partnerships with more than 20 banks and over 120 dealer partners, managing a program size exceeding 3,000 crore 2. Managed the complete lending ecosystem encompassing supply chain and retail finance, including compliance, audits, incentive management, dealer reconciliation, and all aspects of lending operations and financial… Show more 1. Financial Controller at India's largest automotive company, boasting over $2 trillion in market capitalization and $44 billion in annual revenue, overseeing partnerships with more than 20 banks and over 120 dealer partners, managing a program size exceeding 3,000 crore 2. Managed the complete lending ecosystem encompassing supply chain and retail finance, including compliance, audits, incentive management, dealer reconciliation, and all aspects of lending operations and financial management. Show less