# CredAble

CredAble is an Asset Manager based in India.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** India
- **Region:** Asia
- **Assets under management:** Undisclosed
- **Website:** www.credable.in
- **LinkedIn:** https://www.linkedin.com/company/credable.in

## Regulatory record

- **Reports private funds:** No

## About

CredAble is a FinTech focused on solving the Working Capital Financing challenges of Financial Institutions, Enterprise Ecosystems & SMEs through our 3 core verticals Trade, Credit & Payments.

## Sectors

- FinTech
- Private Credit
- Enterprise Software

## People

- Nirav Choksi — Co-Founder and CEO
- Ram Kewalramani — Co-Founder and MD
- Ashutosh Taparia — Chief Operating Officer and Global MD for Enterprise Coverage & Trade
- Satyam Agrawal — MD – Global Head of BaaS, SME and Analytics
- Debashree Lad — Chief People Officer and Head of Corp. Comm
- Kapil Kapoor — Chief Product & Technology Officer
- Ranjit Singh — Chief Credit Risk Officer – Wholesale Lending
- Ketan Mehta — Chief Financial Officer
- Deepak THM — General Counsel

## Questions

### Who runs investment and credit decisions at CredAble?

The firm's credit and strategic direction are driven by its co-founders, CEO Nirav Choksi and Managing Director Ram Kewalramani. Ranjit Singh serves as the Chief Credit Risk Officer for wholesale lending, while Satyam Agrawal oversees the SME lending and analytics division as part of his global Banking-as-a-Service mandate.

### How does CredAble's own NBFC interact with its technology platform?

CredAble NBFC is a separate legal entity that lends directly to India's SMEs using the firm's proprietary credit and risk analytics. Separately, the technology platform offers PaaS and BaaS solutions to external financial institutions, allowing those banks to embed working capital credit products into their own systems without using CredAble's balance sheet.

### Is CredAble a direct lender or a technology vendor?

It is both. CredAble operates an NBFC that provides on-balance-sheet working capital loans to SMEs, and it sells its technology platform as a service to financial institutions wanting to launch or upgrade their own supply-chain finance programs. These two functions are legally and operationally distinct.

### What types of working capital programs does CredAble structure?

The firm covers the full payables and receivables cycle. Its listed programs include Sales Invoice Financing, Purchase Order Financing, Purchase Invoice Discounting, Working Capital Demand Loans, and Startup Financing. Large enterprise programs are structured with multi-funder capabilities and off-balance-sheet treatment where required.

### Does CredAble participate in fund commitments or only direct deals?

CredAble does not describe itself as making fund commitments. Its model is direct lending and program structuring — the NBFC lends directly to SMEs, and the enterprise programs create liquidity for supplier networks via partner lenders. The firm's disclosure does not reference any LP-style fund-of-funds activity.

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Last updated: 2026-06-03T20:00:00.000Z

Canonical page: https://altss.com/profile/credable

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