Board of Directors

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

(Promoter) MD & CEO

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

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

Independent Director

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

Mr. Sanjaya Gupta

Nominee Director

A senior banker with more than 30+ years of experience across mortgage focused financiers in business development and leadership roles.

Mr. Anurag Agrawal

Nominee Director

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

Mr. Rishi Maheshwari

Nominee Director

Co-Founder and Managing Director at Z3Partners Tech Fund 18+ years of experience in investment banking investing across US, Middle East and India.

Mrs. Vijayalakshmi Shankar

Independent Director

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

Mr. Avishek Addy

Director

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

Ms. Deepti Malik

Nominee Director

Ms. Malik has 20+ years of experience across diverse banking functions with leading private, multinational, and small finance banks in India.

Mr. Harsh Shah

Nominee Director

Mr. Shah has 12+ years of diversified experience in investor relations, corporate strategy, debt and equity investments and other operating roles.