Making Credit Accessible for Everyone Across India
novio aims to help 40 crore Indians get access to credit card products & benefits and in turn build a strong credit score to avail cheaper loans and other credit products
Our Mission
We ignite opportunity by making personal finance accessible to every household in india.
Our Vision
Enabling consumers to get eay and instant access to most suitable personal finanace products by providing comprehensive options at their doorsteps
Our Founders
Aditya Gupta
Founder & CEO
Before Credilio, Aditya built TranServ – a digital payments enterprise – in partnership with banks, NBFCs and e-commerce companies. He has nearly 2 decades of experience in finance and retail services, and has worked with HSBC Bank, ICICI Bank and Maruti Suzuki.
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Sandeep Ghule
Co–Founder
Sandeep is a product & marketing professional for over 20 Years. He has built & marketed Technology enabled cards, wallets and digital payment products at ICICI Bank, HSBC, TranServ (as a Co-founder) and at Indiabulls Consumer Finance.
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Anand Kapadia
Co–Founder
Anand has over a decade’s experience in managing mortgages and business loan sales. Before becoming a part of Credilio, he built the agent distribution channel at TranServ. His job portfolio includes being the National Sales Head at HSBC Bank and regional head at Barclays Bank and ICICI Bank.
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Manish Sinha
Co–Founder
Manish brings over 30 years of leadership experience across consulting, banking, and financial services. He has held senior roles at Arthur Andersen, McKinsey, Barclays, and HSBC, and has led organisations like Equifax India & Middle East and Dun & Bradstreet. He was also President – Asia Pacific at Sterling Check, where he played a key role in its NASDAQ IPO. He was most recently a Partner at PwC. Manish is an alum of IIT Kanpur and IIM Calcutta.
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Munjal Dhamecha
Chief Technology Officer
Kartik Shanker
Chief Growth Officer & Business Head - Consumer Business
Rolvy Fernandes
Senior Vice President - Project Management & QA
Neelam Sanguri
Chief People Officer & Chief Customer Officer
Gaurav Aggarwal
Vice President – Sales (Credit Cards)
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Banking & Payment Partners
PCI DSS
Compliant
ISO 27001
Certified
Banking & Payment Partners
PCI DSS
Compliant
ISO 27001
Certified
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Copyright © 2026 Credilio Financial Technologies Private Limited. All rights reserved. (CIN No. U72900MH2020PTC342791) Credilio is an authorized distributor of 25+ Banks and NBFCs for the distribution of Credit Cards and Personal Loans. novio is a registered brand owned by Credilio.