The journey of Athena Credxpert actually started many years ago – whilst I was working on establishing India’s first Credit Bureau. The need to close the circle and thus enable individuals and entities to address any concerns or issues they had with their credit report and score seemed to be a natural direction for the Credit Information industry to take. Of all the stakeholders in this industry, the consumers are the most affected , correcting their credit report and their credit score and repairing or correcting his credit history and improving his score. The desire to do something about this lacuna and my natural affinity to try something new, led me to discover, many years ago, that there was a need for credit counselling and credit repair services. It was an opportunity I wanted to explore.
Fast forward to more recent times and I decided that I should actualize this thought. Along with my Co – Founder - Mitushi Chaurasia, this idea led to the establishment of Athena Credxpert – focused on advising individuals and entities on rebuilding their credit score and repairing their credit history or correcting errors in their credit reports. Mitushi who has been a part of Athena for several years and in her enthusiasm, passion and ethics, I see a great synergy and therefore the natural conclusion was to request her to partner with me and I am truly fortunate that she not only readily agreed, but is more than validating my decision that she was indeed the best partner I could have. We as a team and individually are committed to our mission and will always do right, do it right and do what is right. It is a journey we have recently started and we have miles to go – and as the saying goes – the journey of a million miles starts with the first steps.
I am a Chartered Accountant with over 45 years of experience in Housing Finance, Consumer Finance, Business Development, Training, Credit Information, and Management Consultancy. As the founding Managing Director of India’s first Credit Information Bureau, CIBIL, I have led initiatives to build Credit Bureaus and develop Credit Scores in India and internationally. I consult for the World Bank, advising on Credit Information and Financial Infrastructure Development. I founded Athena Advisors and Athena e-learn to leverage my expertise in emerging markets. At Athena CredXpert, we empower individuals and businesses to achieve financial well-being by enhancing their credit health and worthiness
I am a keen learner and disciplined professional who thrives on new and challenging responsibilities. My journey reflects these characteristics, and I aim to continually add value to my work and Athena’s growth. My experience at Athena, especially in Credit Information, led to the founding of Athena CredXpert (ACX). At ACX, we assist individuals and businesses in becoming credit healthy and worthy by advising on credit report and score repair. As Co-Founder, I develop products, conduct market research, build the brand, and ensure alignment with our vision. We are dedicated to providing expert credit repair advice and unique solutions for improving credit health.I have also been responsible in all aspects of Athena elearn & Athena Advisors operations
In my short but stimulating career, I have found that ideation sessions are my favorite playground—much more than any actual playground ever was! My time at Athena Advisors sparked my interest in the Credit Information Industry, leading me to co-found Athena CredXpert (ACX). ACX is born from my passion for ideation and commitment to providing accessible solutions to empower individuals and businesses in their credit journeys. My responsibilities include developing core products, crafting marketing strategies, conducting research, and establishing partnerships. My goal is to help every Indian repair, restore, and rebuild their credit history.
I am also associated with Athena Advisors (Athena e-learn), collaborating with top Housing Finance Companies in India to identify and solve business complexities.
An MBA from SP Jain and former leader at HDFC, Bank of America, and American Express, is Chairman of India Shelter Finance Corporation (ISFC). He advises Athena e-learn, contributing his expertise in mortgage and finance
Independent Director at Catholic Syrian Bank, with 42 years in Mortgage Finance and a fellow of ICAI, offers his insights as an honorary member of Athena e-learn’s Advisory Board
A Chartered Accountant and pioneer in Indian advertising, co-founded Hanmer & Partners and Pitchfork Partners. He shares his PR and communication expertise with Athena e-learn’s Advisory Board
With 25+ years in financial services, MD & CEO of SERNET Financial Services and FindOO Solutions, specializing in wealth management for HNIs, CXOs, NRIs, and MSMEs
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