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1<title data-next-head="">About Us | AbleCredit - AI-Powered Credit Automation | AbleCredit</title><meta name="description" content="We are on a mission to solve India's Credit Gap of USD 530B through AI-powered credit automation and deep technology innovation." data-next-head=""/><link rel="icon" href="/favicon.svg" data-next-head=""/><link rel="canonical" href="https://ablecredit.com/company/about-us" data-next-head=""/><meta property="og:type" content="website" data-next-head=""/><meta property="og:title" content="About Us | AbleCredit - AI-Powered Credit Automation" data-next-head=""/><meta property="og:description" content="We are on a mission to solve India's Credit Gap of USD 530B through AI-powered credit automation and deep technology innovation." data-next-head=""/><meta property="og:url" content="https://ablecredit.com/company/about-us" data-next-head=""/><meta property="og:site_name" content="AbleCredit" data-next-head=""/><meta property="og:image" content="https://ablecredit.com/images/hero/hero-bg.jpg" data-next-head=""/><meta property="og:image:width" content="1200" data-next-head=""/><meta property="og:image:height" content="630" data-next-head=""/><meta property="og:image:alt" content="About Us | AbleCredit - AI-Powered Credit Automation" data-next-head=""/><meta name="twitter:card" content="summary_large_image" data-next-head=""/><meta name="twitter:title" content="About Us | AbleCredit - AI-Powered Credit Automation" data-next-head=""/><meta name="twitter:description" content="We are on a mission to solve India's Credit Gap of USD 530B through AI-powered credit automation and deep technology innovation." data-next-head=""/><meta name="twitter:image" content="https://ablecredit.com/images/hero/hero-bg.jpg" data-next-head=""/><link rel="preload" href="/_next/static/css/3ad017f9495c662a.css" as="style"/><link rel="preload" href="/_next/static/css/efecfc5314d5fe50.css" as="style"/>
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6</head><body><link rel="preload" as="image" href="/logo-dark.svg"/><link rel="preload" as="image" href="/images/able-icon-white.svg"/><link rel="preload" as="image" href="/images/ramdas.png"/><link rel="preload" as="image" href="/images/able-icon.svg"/><link rel="preload" as="image" href="/images/company/deep-ip.svg"/><link rel="preload" as="image" href="/images/icons/cam.png"/><link rel="preload" as="image" href="/images/company/ai-in-fields.svg"/><link rel="preload" as="image" href="/images/team/utkarsh.jpeg"/><link rel="preload" as="image" href="/images/icons/linkedin.png"/><link rel="preload" as="image" href="/images/team/harshad.png"/><link rel="preload" as="image" href="/images/icons/hasgeek.svg"/><link rel="preload" as="image" href="/images/icons/github.png"/><link rel="preload" as="image" href="/images/team/ashwini.png"/><link rel="preload" as="image" href="/images/team/charu.png"/><link rel="preload" as="image" href="/images/team/shwetanka.png"/><link rel="preload" as="image" href="/images/team/akshay.png"/><link rel="preload" as="image" href="/ablecredit-logo-white.svg"/><div id="__next"><div class="layout"><header class="Header_header__U1XmD"><div class="Header_container__NkCGP"><div class="Header_logo__Tk4Oh"><a href="/"><img src="/logo-dark.svg" alt="AbleCredit"/></a></div><nav class="Header_nav__RIakP"><ul class="Header_navList__rubhB"><li class="Header_navItem__ZFRRD Header_hasDropdown__Zw5jg"><span class="Header_navLink__hy_5G">
6Platform<span class="Header_dropdownArrow__HM1Oz">â¼</span></span></li><li class="Header_navItem__ZFRRD Header_hasDropdown__Zw5jg"><span class="Header_navLink__hy_5G">Solutions<span class="Header_dropdownArrow__HM1Oz">â¼</span></span></li><li class="Header_navItem__ZFRRD Header_hasDropdown__Zw5jg"><span class="Header_navLink__hy_5G">Resources<span class="Header_dropdownArrow__HM1Oz">â¼</span></span></li><li class="Header_navItem__ZFRRD Header_hasDropdown__Zw5jg"><span class="Header_navLink__hy_5G">Company<span class="Header_dropdownArrow__HM1Oz">â¼</span></span></li></ul></nav><div class="Header_actions__5kKYG"><a class="Header_ctaButton__SFdof" target="_blank" href="https://calendly.com/ashwini-e8zm/30min">Get Demo</a><button class="Header_hamburger__awLOJ" aria-label="Toggle mobile menu"><span class="Header_hamburgerLine__YZvhD "></span><span class="Header_hamburgerLine__YZvhD "></span><span class="Header_hamburgerLine__YZvhD "></span></button></div></div></header><main class="main-content"><section class="ProductHero_productHeroSection___p5pW" style="background-color:#231F20"><div class="ProductHero_container__Zr_TI"><div class="ProductHero_superTitle__wQqRr" style="color:#ffffff"><img src="/images/able-icon-white.svg" alt="AbleCredit" class="ProductHero_superTitleIcon__PsHLa"/><div class="ProductHero_superTitleDivider__Edq3x" style="background-color:#ffffff"></div><span class="ProductHero_superTitleText__ksJ_T">ABLECREDIT'S MISSION</span></div><h1 class="ProductHero_title__MtleL" style="color:#ffffff">We are on a mission to solve India's Credit Gap of USD 530B</h1><p class="ProductHero_subtitle__SIknp" style="color:#ffffff">Through AI-powered credit automation, we're democratizing access to credit for millions of MSMEs across India, transforming how lending institutions evaluate, approve, and monitor credit applications.</p><div class="ProductHero_buttonContainer__8N6hX"></div></div></section><section class="SingleTestimonial_testimonialSection__NProo" style="background-color:#f8fafc"><div class="SingleTestimonial_container__ulstj"><div class="SingleTestimonial_testimonialContent__36qAS"><div class="SingleTestimonial_photoColumn__RwEwn"><div class="SingleTestimonial_photoContainer__Rpl66"><img src="/images/ramdas.png" alt="Ramdas Acharya, Chief Credit Officer at Clix Capital" class="SingleTestimonial_personPhoto__xroVR"/></div></div><div class="SingleTestimonial_contentColumn__uQP7W"><div class="SingleTestimonial_superTitle__7wK1a"><img src="/images/able-icon.svg" alt="AbleCredit" class="SingleTestimonial_superTitleIcon__Iu9QD"/><div class="SingleTestimonial_superTitleDivider___5yjs" style="background-color:#231F20"></div><span class="SingleTestimonial_superTitleText__J_H7W" style="color:#231F20">CLIENT TESTIMONIAL</span></div><blockquote class="SingleTestimonial_quoteText__mpJ3F" style="color:#000000">AbleCredit has transformed our credit evaluation process, reducing processing time and costs, while improving accuracy.</blockquote><div class="SingleTestimonial_personInfo__uYzai"><div class="SingleTestimonial_personName__Zs4l6" style="color:#231F20">Ramdas Acharya</div><div class="SingleTestimonial_personDetails__bFvqh" style="color:#231F20">Chief Credit Officer<!-- -->, <!-- -->Clix Capital</div></div></div></div></div></section><section class="BenefitsSection_benefitsSection__DAC5R" style="background-color:white"><div class="BenefitsSection_container__rFRLS"><div class="BenefitsSection_superTitle__QMkHk" style="color:#231F20"><img src="/images/able-icon.svg" alt="AbleCredit" class="BenefitsSection_superTitleIcon__4er3M"/><div class="BenefitsSection_superTitleDivider___6zDN" style="background-color:#231F20"></div><span class="BenefitsSection_superTitleText__DNaAp">INNOVATION & TECHNOLOGY</span></div><h1 class="BenefitsSection_title__6ZHau">We are Building Deep IP</h1><div class="BenefitsSection_imageContainer__wQtEN"><img src="/images/company/deep-ip.svg" alt="We are Building Deep IP" class="BenefitsSection_image__ppNtZ"/></div><div class="BenefitsSection_content__GFU2T"><div class="BenefitsSection_textColumn__KN7LZ"><h2 class="BenefitsSection_textHeader__sCZiE">Pioneering AI Solutions for Credit Intelligence</h2><div class="BenefitsSection_textBody__im_nZ">Our team of engineers, data scientists, and credit experts are developing cutting-edge intellectual property in AI-driven credit assessment, risk profiling, and automated decision-making systems that are revolutionizing the lending industry.</div></div><div class="BenefitsSection_cardsColumn__GEPuq"><a href="/platform/credit-risk-profiling" class="WideProductCard_wideProductCard__gXk8V"><div class="WideProductCard_iconColumn__sbyJQ" style="background-color:#f7fff0"><div class="WideProductCard_icon__atNlK"><img src="/images/icons/cam.png" alt="Proprietary AI Models" class="WideProductCard_iconImage__XJI6f"/></div></div><div class="WideProductCard_contentColumn__gvwvL"><h4 class="WideProductCard_productTitle__bJIE4">Proprietary AI Models</h4><p class="WideProductCard_productDescription__WO_ci">Advanced machine learning algorithms trained speci...</p></div></a><a href="/platform/ai-generated-cam" class="WideProductCard_wideProductCard__gXk8V"><div class="WideProductCard_iconColumn__sbyJQ" style="background-color:#f0f9ff"><div class="WideProductCard_icon__atNlK"><img src="/images/icons/cam.png" alt="Patent-Pending Technology" class="WideProductCard_iconImage__XJI6f"/></div></div><div class="WideProductCard_contentColumn__gvwvL"><h4 class="WideProductCard_productTitle__bJIE4">Patent-Pending Technology</h4><p class="WideProductCard_productDescription__WO_ci">Innovative solutions for document intelligence, hy...</p></div></a></div></div></div></section><section class="BenefitsSection_benefitsSection__DAC5R" style="background-color:#f8fafc"><div class="BenefitsSection_container__rFRLS"><div class="BenefitsSection_superTitle__QMkHk" style="color:#231F20"><img src="/images/able-icon.svg" alt="AbleCredit" class="BenefitsSection_superTitleIcon__4er3M"/><div class="BenefitsSection_superTitleDivider___6zDN" style="background-color:#231F20"></div><span class="BenefitsSection_superTitleText__DNaAp">FIELD DEPLOYMENT</span></div><h1 class="BenefitsSection_title__6ZHau">We are taking AI to the fields of India</h1><div class="BenefitsSection_imageContainer__wQtEN"><img src="/images/company/ai-in-fields.svg" alt="We are taking AI to the fields of India" class="BenefitsSection_image__ppNtZ"/></div><div class="BenefitsSection_content__GFU2T"><div class="BenefitsSection_textColumn__KN7LZ"><h2 class="BenefitsSection_textHeader__sCZiE">Bringing Advanced Technology to Rural and Semi-Urban Markets</h2><div class="BenefitsSection_textBody__im_nZ">Our mobile-first AI platform works seamlessly in the field, enabling credit officers across India to conduct sophisticated credit evaluations using just a smartphone, bridging the technology gap between urban banks and rural borrowers.</div></div><div class="BenefitsSection_cardsColumn__GEPuq"><a href="/platform/genai-credit-evaluation-in-field" class="WideProductCard_wideProductCard__gXk8V"><div class="WideProductCard_iconColumn__sbyJQ" style="background-color:#fef3f2"><div class="WideProductCard_icon__atNlK"><img src="/images/icons/cam.png" alt="Mobile-First AI Platform" class="WideProductCard_iconImage__XJI6f"/></div></div><div class="WideProductCard_contentColumn__gvwvL"><h4 class="WideProductCard_productTitle__bJIE4">Mobile-First AI Platform</h4><p class="WideProductCard_productDescription__WO_ci">Sophisticated credit evaluation tools that work of...</p></div></a><a href="/platform/genai-credit-evaluation-video" class="WideProductCard_wideProductCard__gXk8V"><div class="WideProductCard_iconColumn__sbyJQ" style="background-color:#f7fff0"><div class="WideProductCard_icon__atNlK"><img src="/images/icons/cam.png" alt="Vernacular Language Support" class="WideProductCard_iconImage__XJI6f"/></div></div><div class="WideProductCard_contentColumn__gvwvL"><h4 class="WideProductCard_productTitle__bJIE4">Vernacular Language Support</h4><p class="WideProductCard_productDescription__WO_ci">AI-powered voice recognition and processing in mul...</p></div></a></div></div></div></section><section class="TeamSection_teamSection__T0vLb" style="background-color:#ffffff"><div class="TeamSection_container__Tat_o"><div class="TeamSection_header__zaOd6"><div class="TeamSection_superTitle__0h4XK"><img src="/images/able-icon.svg" alt="AbleCredit" class="TeamSection_superTitleIcon__KBzw2"/><div class="TeamSection_superTitleDivider__QFDU8" style="background-color:#231F20"></div><span class="TeamSection_superTitleText__5YKeK" style="color:#231F20">OUR TEAM</span></div><h2 class="TeamSection_sectionTitle__iBGj9" style="color:#231F20">Meet the Team Behind AbleCredit</h2></div><div class="TeamSection_teamGrid__82jst"><div class="TeamCard_teamCard__z5L6P"><div class="TeamCard_imageContainer__3imYa"><img src="/images/team/utkarsh.jpeg" alt="Utkarsh Apoorva" class="TeamCard_image__yV7BG"/></div><div class="TeamCard_content__a9YM7"><div class="TeamCard_basicInfo__3GWNk"><h3 class="TeamCard_name__qFWPg">Utkarsh Apoorva</h3><p class="TeamCard_designation__qccGV">Co-Founder & CEO</p><p class="TeamCard_degrees__RuCNf">IIT Delhi</p></div><div class="TeamCard_separator__OsRTv"></div><div class="TeamCard_description__N4UVl"><p>15+ years in Rural-Tech products. Built Reshamandi, GuitarStreet, Edulabs.</p></div><div class="TeamCard_socialLinks__bAYEF"><a href="https://linkedin.com" target="_blank" rel="noopener noreferrer" class="TeamCard_socialLink__chtXv" aria-label="Utkarsh Apoorva on LinkedIn"><img src="/images/icons/linkedin.png" alt="LinkedIn" class="TeamCard_socialIcon__uRQu3"/></a></div></div></div><div class="TeamCard_teamCard__z5L6P"><div class="TeamCard_imageContainer__3imYa"><img src="/images/team/harshad.png" alt="Harshad Saykhedkar" class="TeamCard_image__yV7BG"/></div><div class="TeamCard_content__a9YM7"><div class="TeamCard_basicInfo__3GWNk"><h3 class="TeamCard_name__qFWPg">Harshad Saykhedkar</h3><p class="TeamCard_designation__qccGV">Cofounder and Chief AI Officer</p><p class="TeamCard_degrees__RuCNf">IIT Bombay</p></div><div class="TeamCard_separator__OsRTv"></div><div class="TeamCard_description__N4UVl"><p>15 years in ML & AI. Earlier: Led AI at Slack, Astro (both Bay Area, acquired)</p></div><div class="TeamCard_socialLinks__bAYEF"><a href="https://linkedin.com" target="_blank" rel="noopener noreferrer" class="TeamCard_socialLink__chtXv" aria-label="Harshad Saykhedkar on LinkedIn"><img src="/images/icons/linkedin.png" alt="LinkedIn" class="TeamCard_socialIcon__uRQu3"/></a><a href="https://hasgeek.com/harshss/in/projects" target="_blank" rel="noopener noreferrer" class="TeamCard_socialLink__chtXv" aria-label="Harshad Saykhedkar on HasGeek"><img src="/images/icons/hasgeek.svg" alt="HasGeek" class="TeamCard_socialIcon__uRQu3"/></a><a href="https://github.com" target="_blank" rel="noopener noreferrer" class="TeamCard_socialLink__chtXv" aria-label="Harshad Saykhedkar on GitHub"><img src="/images/icons/github.png" alt="GitHub" class="TeamCard_socialIcon__uRQu3"/></a></div></div></div><div class="TeamCard_teamCard__z5L6P"><div class="TeamCard_imageContainer__3imYa"><img src="/images/team/ashwini.png" alt="Ashwini Prabhu" class="TeamCard_image__yV7BG"/></div><div class="TeamCard_content__a9YM7"><div class="TeamCard_basicInfo__3GWNk"><h3 class="TeamCard_name__qFWPg">Ashwini Prabhu</h3><p class="TeamCard_designation__qccGV">Co-Founder & CTO</p><p class="TeamCard_degrees__RuCNf">IIM Lucknow (exec)</p></div><div class="TeamCard_separator__OsRTv"></div><div class="TeamCard_description__N4UVl"><p>10 years in Rural-fintech ops. Built Reshamandi, HandyTrain, Mythiksha.</p></div><div class="TeamCard_socialLinks__bAYEF"><a href="https://www.linkedin.com/in/ashwini-prabhu-61645283" target="_blank" rel="noopener noreferrer" class="TeamCard_socialLink__chtXv" aria-label="Ashwini Prabhu on LinkedIn"><img src="/images/icons/linkedin.png" alt="LinkedIn" class="TeamCard_socialIcon__uRQu3"/></a></div></div></div><div class="TeamCard_teamCard__z5L6P"><div class="TeamCard_imageContainer__3imYa"><img src="/images/team/charu.png" alt="Charu Dutt Sharma" class="TeamCard_image__yV7BG"/></div><div class="TeamCard_content__a9YM7"><div class="TeamCard_basicInfo__3GWNk"><h3 class="TeamCard_name__qFWPg">Charu Dutt Sharma</h3><p class="TeamCard_designation__qccGV">Chief Sales Officer</p><p class="TeamCard_degrees__RuCNf">FRM (GARP), ex-Finvu, HDFC, SMERA</p></div><div class="TeamCard_separator__OsRTv"></div><div class="TeamCard_description__N4UVl"><p>25+ Years in Banking. Charu was a founding member of SMERA, and helped build Finvu recently.</p></div><div class="TeamCard_socialLinks__bAYEF"><a href="https://www.linkedin.com/in/charuduttsharma/" target="_blank" rel="noopener noreferrer" class="TeamCard_socialLink__chtXv" aria-label="Charu Dutt Sharma on LinkedIn"><img src="/images/icons/linkedin.png" alt="LinkedIn" class="TeamCard_socialIcon__uRQu3"/></a></div></div></div><div class="TeamCard_teamCard__z5L6P"><div class="TeamCard_imageContainer__3imYa"><img src="/images/team/shwetanka.png" alt="Shwetanka Srivastava" class="TeamCard_image__yV7BG"/></div><div class="TeamCard_content__a9YM7"><div class="TeamCard_basicInfo__3GWNk"><h3 class="TeamCard_name__qFWPg">Shwetanka Srivastava</h3><p class="TeamCard_designation__qccGV">VP Engineering</p><p class="TeamCard_degrees__RuCNf">DY Patil, earlier: Perfios, Onsurity, Grab</p></div><div class="TeamCard_separator__OsRTv"></div><div class="TeamCard_description__N4UVl"><p>
6Developing cutting-edge AI applications for credit risk assessment and automated decision-making.</p></div><div class="TeamCard_socialLinks__bAYEF"><a href="https://www.linkedin.com/in/shwetanka-srivastava-89141524/" target="_blank" rel="noopener noreferrer" class="TeamCard_socialLink__chtXv" aria-label="Shwetanka Srivastava on LinkedIn"><img src="/images/icons/linkedin.png" alt="LinkedIn" class="TeamCard_socialIcon__uRQu3"/></a></div></div></div><div class="TeamCard_teamCard__z5L6P"><div class="TeamCard_imageContainer__3imYa"><img src="/images/team/akshay.png" alt="Akshay Kumar" class="TeamCard_image__yV7BG"/></div><div class="TeamCard_content__a9YM7"><div class="TeamCard_basicInfo__3GWNk"><h3 class="TeamCard_name__qFWPg">Akshay Kumar</h3><p class="TeamCard_designation__qccGV">VP, Growth and Strategy</p><p class="TeamCard_degrees__RuCNf">IIT BHU</p></div><div class="TeamCard_separator__OsRTv"></div><div class="TeamCard_description__N4UVl"><p>Scaling operations and ensuring seamless deployment of AI solutions across lending institutions.</p></div><div class="TeamCard_socialLinks__bAYEF"><a href="https://www.linkedin.com/in/akki1008/" target="_blank" rel="noopener noreferrer" class="TeamCard_socialLink__chtXv" aria-label="Akshay Kumar on LinkedIn"><img src="/images/icons/linkedin.png" alt="LinkedIn" class="TeamCard_socialIcon__uRQu3"/></a></div></div></div></div></div></section></main><footer class="Footer_footer__iEhlu"><a href="https://calendly.com/ashwini-e8zm/30min" class="Footer_ctaSection__dF6IX" target="_blank" rel="noopener noreferrer"><div class="Footer_ctaContainer__UqdSX"><h2 class="Footer_ctaTitle__vNcun">Start Transforming Your Lending Business Now</h2><div class="Footer_ctaRight__3vgxP"><span class="Footer_ctaText__RKL7o">Schedule a Demo</span><div class="Footer_ctaArrow__ah322"><svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M5 12H19M19 12L12 5M19 12L12 19" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></div></div></div></a><div class="Footer_container__sd4kn"><div class="Footer_footerContent__yUVpI"><div class="Footer_footerSection__j2Djm"><h4>Company</h4><ul class="Footer_footerLinks__Apa5S"><li><a href="/what-is-ablecredit/">What is AbleCredit</a></li><li><a href="/company/about-us/">About Us</a></li><li><a href="/company/contact/">Contact</a></li></ul></div><div class="Footer_footerSection__j2Djm"><h4>Platform</h4><ul class="Footer_footerLinks__Apa5S"><li><a href="/platform/genai-credit-evaluation-in-field/">AI Field Credit</a></li><li><a href="/platform/genai-credit-evaluation-video/">AI Video Underwriting</a></li><li><a href="/platform/ai-generated-cam/">AI Generated CAM</a></li></ul></div><div class="Footer_footerSection__j2Djm"><h4>Products</h4><ul class="Footer_footerLinks__Apa5S"><li><a href="/platform/income-verification/">Income Verification</a></li><li><a href="/platform/hyperlocal-intelligence/">Hyperlocal Intelligence</a></li><li><a href="/platform/inventory-analysis/">Inventory Analysis</a></li><li><a href="/platform/document-intelligence/">Document Intelligence</a></li><li><a href="/platform/credit-risk-profiling/">Credit Risk Profiling</a></li><li><a href="/platform/bre-automation/">BRE Automation</a></li><li><a href="/platform/pd-quality-report/">PD Quality Report</a></li></ul></div><div class="Footer_footerSection__j2Djm"><h4>Solutions</h4><ul class="Footer_footerLinks__Apa5S"><li><a href="/solutions/credit-teams/">For Credit Teams</a></li><li><a href="/solutions/risk-teams/">For Risk Teams</a></li><li><a href="/solutions/top-management/">For Top Management</a></li></ul></div><div class="Footer_footerSection__j2Djm"><h4>Resources</h4><ul class="Footer_footerLinks__Apa5S"><li><a href="/case-studies/tat-reduction-15-to-3/">TAT Reduction: 15 to 3 Days</a></li><li><a href="/case-studies/emi-bounce-rate-drop/">EMI Bounce Rate Reduced 33%</a></li><li><a href="/case-studies/branch-profitable-30-percent-faster/">Branch Profitability 30% Faster</a></li><li><a href="/resources/blogs/branch-profitability-in-1-month/">Branch Profitability Framework</a></li><li><a href="/resources/blogs/winning-customers-satisfaction/">How Speed Wins Customers</a></li><li><a href="/resources/blogs/sme-story-to-credit/">Murugan's Story from Pollchi</a></li><li><a href="/resources/blogs/">View All Blogs â</a></li></ul></div></div><div class="Footer_footerBottom__NRzWu"><div class="Footer_logo__ephpD"><img src="/ablecredit-logo-white.svg" alt="AbleCredit"/></div><div class="Footer_legalLinks__yQ1HM"><a href="/">© <!-- -->2026<!-- --> <!-- -->Lightbees Technologies Pvt Ltd</a><a href="/legal/privacy/">Privacy Policy</a><a href="/legal/terms/">Terms of Service</a></div></div></div></footer></div></div>
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