Our Leadership Team

Driven By Experienced Professionals

Since its inception, Altum Credo Home Finance has been driven by a qualified and motivated professional team that is committed to giving the best-in-class service to our customers based on the philosophy of simplicity, convenience, and relevance.

Vikrant Bhagwat

Vikrant Bhagwat

(Promoter) MD & CEO

A Management graduate brings with him more than 27 years of work experience in building retail asset lending portfolios – both Secured and Unsecured with the last 8 years being in micro finance business to the customers who are at the base of the pyramid & are unserved by formal financial institutions. Recently held position as Head of Business and Part of Senior Leadership Team at Suryoday Small Finance Bank Limited. His prior experience has been with prominent brands like LOK Capital, Cholamandalam Investment & Finance Co. Ltd., HDFC Bank and Development Credit Bank.

Sanjay Tiwari

Sanjay Tiwari

CFO & Founding Member

Qualified Chartered Accountant with over 25 years of experience in areas of corporate finance, business planning & strategy, treasury management, and regulatory compliance. He began his professional career with ABN Amro Bank, he is a passionate professional proficient in early-stage business roll-out from the inception stage including an entrepreneurial start-up stint. Recently held a position as CFO of Suryoday Micro Finance and played a key role in equity & debt fundraising and was instrumental in the formulation of the business strategy for a small finance bank project.

Vivek Meharwal

Vivek Meharwal

Chief Business Officer

A proactive leader and mortgage specialist with over 20 years of rich experience spread across Affordable Home Loans, Education Infra loan (EIL), Business Loans, Construction Finance, Structured Finance, Portfolio Management and Strategic planning. Vivek has also been instrumental in setting up the direct and indirect business revenue model with profitable responsibilities. At Avanse, he was part of the founding core team and responsible for setting up the business operations while at Religare Home Loans he was in charge for setting up the entire Sales, Distribution and Collection model pan-India. He has previously worked with GE and ICICI Home Finance.

Srinivasan G.

Srinivasan G.

Chief Credit & Risk Officer

Srini (as he is fondly known) has over 20 years’ experience in housing finance with expertise in areas of Credit Policy Formulation & Underwriting, Risk Management, Regulatory Compliance, Business Operations and Data Analytics. He had long professional stint with Tata Capital Housing Finance and was instrumental in setting up the Affordable & Rural Housing vertical and managing the business pan-India. At Centrum Housing Finance he was part of the founding team; setting-up business operations, policy framework & roll-out of core IT projects. He was SVP – Credit and Policy at Motilal Oswal Home Loans and started his professional carrier with with Deutsche Postbank Home Finance.

Rahul Deshmukh

Rahul Deshmukh

Head of Collections

Rahul is a seasoned professional having rich experience of more than 20 years in Collections and litigation. Skilled in Portfolio Management, Debt Collections with litigation aspects, analytics and driving customer centric debt collections PAN India. His last stint was with GIC Housing Finance as Head Collections. Prior to GICHF, he was associated with Muthoot Homefin, Shriram Housing, DHFL and HDFC Bank. Rahul is a Science & Law Graduate and holds Master’s degree in Management from University of Mumbai.

Vivek Jain

Vivek Jain

Head of Finance

A qualified Chartered Accountant and Company Secretary with over 13 years’ experience in Financial Reporting, Controls, & FP&A, Fund raising with expertise in managing the nuances of an early stage/start-up companies. Previous to Altum Credo, he co-founded a backpacking travel startup – Backpacker Panda, heading the finance vertical. Prior to that, he worked with Credit Suisse as a senior accounting expert and briefly with Ernst and Young. He has been associated with Altum Credo Home Finance since Oct 2018.