credit worth

We help you better manage your credit worthiness and benefit from your choice.

We help you better manage your credit and benefit from your choice.

  • We do this by helping you understand your credit worthiness and then finding the best solution suited for your individual credit needs.
  • When you opt for CreditMantri’s services, we guide you to make better borrowing decisions which help you save money and become credit healthy.

Who We are

We are a bunch of ex-bankers who believe in the power of technology and the digital medium to transform the way credit is delivered in India.

We have years of experience in banking and financial services (sometimes we think it’s more than we actually need). Here is a short video on the founding team – we enjoyed making it, hope you have as much fun watching it.

CreditMantri was created to help you to take charge of your credit health and to help you make better borrowing decisions. At CreditMantri, we are focused on simplifying credit and putting you in the driving seat. We want you to understand your credit worthiness and decide what is best for you based on your individual credit assessment. We won’t waste your time with endless comparisons and options which actually don’t suit your credit profile.

Meet the founding team

Ranjit Punja
Ranjit Punja - Linkedin
(CEO & Co-founder)

23 year veteran with Citibank, who had oversight of the Collections function for all international consumer lending businesses in 53 countries and had previously managed the Collections operation for the U.S. credit card business.

Ranjit oversees Credit, Key Relationships, Corporate Strategy

R Sudarshan
R Sudarshan - Linkedin
(COO & Co-founder)

20 years’ experience with Citibank, in Banking Operations, Technology and Outsourcing. Prior to the current initiative, he was the CFO of TCS eServe Limited, India’s largest BFSI BPO. Sudarshan was part of the core eServe founding team which grew from a basement office with no telephone lines to over 20,000 people.

Gowri Mukherjee
Gowri Mukherjee - Linkedin
(CMO & Co-founder)

17 years experience in Banking (Citibank, Standard Chartered and HSBC) of which 14 years have been in the Digital space. Digital experience covers new product development, marketing, eCommerce and mobile payments. Last stint was as Global Head Digital Marketing at Standard Chartered Bank.

What is your trip in life?

Why Join Us?

We are here to make a big difference. This means that the people we work with, believe in the larger story and the change we will drive.

Join us and we can guarantee you a rewarding and learning experience with lots of fun and stories along the way.

Drop us mail at We'd love to hear from you.

The CreditMantri's Mantras

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