Mumbai: Credilio, India’s leading secured credit card fintech, has announced the appointment of Manish Sinha as Co-Founder, marking a significant step in the company’s journey to democratize access to credit for India’s underserved and new-to-credit population — a segment estimated at 300–400 million individuals.
With over 30 years of global leadership experience in management consulting, banking, credit risk, and financial services, Manish Sinha’s entry signals Credilio’s transition from being the country’s largest credit card distribution platform to a category-defining player in secured credit solutions.
“In my 30 years of working across high-finance and large corporates, I have rarely come across a problem as impactful as enabling credit access for underserved Indians,” said Manish Sinha, Co-Founder, Credilio. “Credilio is solving exactly this challenge by pioneering secured cards business that make credit both inclusive and aspirational. I’ve known the founding team for over a decade and have immense trust in their capabilities. Together, I believe we have the right mix of sales, technology, risk, and analytics expertise to scale this solution nationwide.”
Sinha’s experience includes a decade in management consulting at McKinsey, Arthur Andersen, and PwC, followed by senior roles in Barclays and HSBC, where he specialized in consumer banking and credit risk. He has also served as CEO/MD for global financial services firms including Equifax, Dun & Bradstreet, and Sterling Check, with leadership mandates across India, the Middle East, and Asia-Pacific.
His appointment brings a critical combination of credit risk, analytics, and transformation expertise that aligns directly with Credilio’s vision of becoming India’s most trusted platform for secured credit access.
“We are delighted to welcome Manish to the founding team,” said Aditya Gupta, CEO & Founder of Credilio. “His deep expertise in credit risk and business leadership, combined with his global perspective, will be invaluable as we take Credilio from a leading credit cards digital distribution platform to India’s leading enabler for expanding the lending market using secured credit cards. This appointment strengthens our ability to innovate, execute, and deliver meaningful impact to millions of underserved Indians.”
Founded by a team with over 40 years of collective experience in financial services, technology, and sales, Credilio is now entering its fifth year of operations. The company has built a differentiated product offering, a strong distribution network, and a reputation for solving real-world challenges in credit access.
With Manish Sinha on board, Credilio is set to accelerate its mission by expanding beyond secured cards into broader lending solutions for underserved consumers, leveraging data-driven credit analytics and digital distribution to power financial inclusion at scale.
