With the startup revolution picking up pace with every passing day, what remains one of the most important resource is finance. Well there are various organisations that cater to the financial requirements of individuals and companies, but there are very few that stand out in the crowd. One such innovative credit -as-a-service provider is  OptaCredit.


OptaCredit is an Artificial Intelligence-powered, data-driven online lender providing millions of eligible borrowers (individuals & SMEs) across India, with access to timely and transformational credit via its revolutionary Credit-as-a-Service Platform. OptaCredit’s Proprietary scoring algorithms utilise various data points, both traditional and non-traditional to assess an applicant, be it for a business loan or a personal loan and every applicant is provided with an OptaScore. A bureau score is not mandatory for an OptaCredit loan, and hence even first-time applicants, who are generally rejected by traditional lenders for being “Thin Files”, can avail these loan products. OptaCredit’s Lending Platform enables instantaneous decision-making and extremely quick TAT for decision-making, which allows for same-day loan disbursements.


Founder- OptiCredit

Based out of Chennai, OptaCredit was founded by S Kumar Srivatsan and Sriram Chandramouli. Srivatsan who is the founder and CEO of OptaCredit is a qualified chartered accountant and company secretary and has worked at Royal Bank of Scotland and Ernst & Young. He is also a partner in QED Corporate Advisors, a boutique consulting firm based out of Chennai and is also an Angel Investor in WhiteCross Health Initiatives Private Limited, a primary healthcare chain operating more than 90 clinics across 10 states. Sriram who is the co-founder of this innovative startup is a qualified Chartered Accountant & Company Secretary and has working with ICRA (Affiliated to Moody’s), a Credit Rating Agency and was a part of Ernst & Young’s Transaction Advisory Team where he has been part of various Due-Diligence Deals involving big corporations.

OptaCredit has 100% online application process with 24 * 7 access. It has flexible repayment options with competitive Interest Rates. They have zero hassle process with same-day Sanction & Funds Credited directly to your Account. The process is transparent and there are no hidden charges involved. They also assist with credit profile building of first time borrowers.

They currently have tie ups with a  large number of companies and cumulative employee pool of more than 1500 linked to their product portfolio, and their future plans include extended tie-ups with more companies and launch business loans in a phased manner.

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Shivani Pandita

Shivani is an avid reader and loves to pen down her thoughts on paper in the most creative ways. She is more on the eccentric side, but it is this obscurity and uniqueness that makes her stand out. She has a passion for photography, travel and music. She strikes a thorough balance between intelligence and creativity and has a solution oriented approach to any problem at hand.

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