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Board of Directors

Experienced Leadership Driving Altum Credo

Altum Credo’s Board of Directors comprises industry veterans with decades of expertise in financial services, retail asset lending,
microfinance, and strategic management. Together, they bring a shared commitment to financial inclusion and innovation.

Mr. Vikrant Bhagwat

Mr. Vikrant Bhagwat

(Promoter) MD & CEO

Mr. Bhagwat has 27+ years of experience in retail asset lending and microfinance, focusing on underserved customers.

Mr. Himanshu Joshi

Mr. Himanshu Joshi

Independent Director

Mr. Joshi brings 40+ years of banking experience, including leadership roles at PNB and expertise in compliance and treasury management.

Mr. Radhey Shyam Garg

Mr. Radhey Shyam Garg

Independent Director

Mr. Garg has 40+ years in housing finance, including senior roles at NHB, and is now a practicing advocate.

Mrs. Vijayalakshmi Shankar

Mrs. Vijayalakshmi Shankar

Independent Director

With 35 years at NABARD, Mrs. Shankar has expertise in development finance and turnaround strategies for rural banks.

Mr. Anurag Agrawal

Mr. Anurag Agrawal

Nominee Director

Mr. Agrawal specializes in impact investing and financial inclusion as a Partner at Aavishkaar Capital.

Mr. Avishek Addy

Mr. Avishek Addy

Additional Director

Mr. Addy has 15+ years in private equity, focusing on investments in financial services.