AI-Powered. Thesis-Proven.
Propel Credit acquires high-quality lending platforms with strong portfolios but minimal tech adoption, then deploys its proprietary AI Arsenal — scoring, underwriting, and hyper-personalization — to transform unit economics and exit at premium multiples. India is the strategic entry point. The platform is built to scale globally.
Traditional private equity acquires assets first, then identifies value creation opportunities. We inverted that sequence.
We built and validated a proprietary AI stack for SME lending — credit scoring, real-time underwriting, risk intelligence, and borrower-level personalization — then deployed it on a live portfolio. The market fit is validated. Now we're raising capital to acquire and scale.
The global SME credit gap stands at $5.7 trillion across 300 million underserved businesses. Our AI infrastructure is market-agnostic by design. India, with 63 million MSMEs and a $530 billion addressable market, is our strategic entry point. The platform is built to replicate.
Proprietary AI stack — credit scoring, real-time underwriting, risk intelligence, and borrower-level personalization — market-fit validated. The first modules are live.
Deployed on a live lending portfolio serving 110K+ borrowers. NPAs down 67%. Cost-to-income at 25%. Loan decisions in minutes. Thesis validated against real data.
$100M Equity fundraise to acquire and consolidate lending platforms — starting in India, with a roadmap to replicate across markets worldwide.
Our AI stack has been deployed on a live lending portfolio, delivering measurable transformation across credit quality, operational efficiency, and borrower experience — proving the model before scaling globally.
Proprietary risk models built on alternative data, delivering granular credit assessment for underserved SME borrowers.
Continuous portfolio monitoring and early warning systems that identify deterioration before it impacts performance.
Automated decisioning that reduces loan processing from days to minutes while improving credit quality outcomes.
Individualized product design and engagement at the borrower level, driving retention and reducing default rates.
Propel Credit follows a systematic, phased approach — from incubation through global multi-market expansion. Each phase builds on validated capabilities from the prior stage, reducing execution risk at every step.
Propel Credit targets 3–4x MOIC with 20%+ IRR through lending platform acquisition and consolidation, powered by pre-built AI infrastructure that transforms unit economics at scale.
AI stack built. First modules deployed on live lending portfolio. Market-fit validated. Continually improving to deepen MOAT.
Acquire 3-4 high-quality NBFCs at attractive book value. Capital sourced across the US, UK, and India. $100M in Equity fundraise to support acquisition and growth.
Transform acquired portfolios — compress cost-to-income ratios, reduce NPAs, automate underwriting. Build category-leading lending solution.
Demonstrate Scale and category-leading metrics: 3–4x MOIC, +20% IRR, +21% ROE potential. Exit via IPO or M&A pathways.
Our leadership team combines 25+ years of enterprise leadership with deep expertise across payments, credit, operations, and financial services — spanning Mastercard, Amex, Citi, Cisco, Shell, and HP networks globally.
Managing Partner & CEO at Employees 1st Ventures — Built the firm's core AI capabilities around two operating principles — Continuous Modernization and Hyper-Personalization, designed to transform unit economics in any real economy sector. Currently leading the firm's SME lending strategy through Propel Credit – targeting the $530B MSME credit gap in India.
Seasoned operations executive with deep experience across Cisco, Shell, and HP. Expertise in operational transformation, cost optimization, and enterprise-scale efficiency programs. Brings the operational rigor and Fortune 500 discipline required to drive post-acquisition value creation across Propel Credit's portfolio companies.
Former senior executive across Mastercard, American Express, and Citi. Deep expertise in payments infrastructure, financial inclusion, and strategic partnerships. Based in London, providing Propel Credit with a transatlantic foundation and direct access to European and Middle Eastern investor networks.
Former NBFC CEO with direct experience across IndusInd and ICICI. Deep expertise in NBFC operations, regulatory compliance, and SME lending at scale in India. Leads on-the-ground fund execution, portfolio company operations, and acquisition diligence across the Indian market.
Former Global Chief Information Officer at Cisco Systems. Board member at Blue Shield of California and Jack in the Box (NASDAQ: JACK). Brings enterprise technology governance and operational scaling expertise to the fund's technology-driven acquisition strategy.
Propel Credit's AI infrastructure is market-agnostic — built to replicate across any geography where SME credit gaps represent structural, addressable demand. India is the highest-conviction entry point. The roadmap is built for global scale.
We welcome conversations with institutional investors, family offices, and capital formation partners aligned with our global thesis.
Schedule a ConversationThis website is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any securities. Any such offer or solicitation will be made only by means of a confidential private placement memorandum and only to qualified investors in accordance with applicable securities laws. Past performance is not indicative of future results. Investment involves risk, including the possible loss of principal.