Siddharth Mahanot — CEO
As a passionate leader in India’s financial services landscape, I’ve spent over two decades shaping credit, risk, and lending for both retail and MSME segments. From my co-founding journey at Indifi—where we pioneered digital MSME lending and disbursed 100,000+ loans totaling over ₹6,000 crore—to stewarding core functions like Credit & Risk, Collections, Finance, Treasury, and Compliance, I’ve consistently delivered on innovation, scale, and operational excellence. During my tenure as Executive Director & COO, Indifi transformed from a bold idea to a market-leading fintech platform with ₹2,500 crore AUM, renowned for its technology-led, customer-first approach. Building high-performing teams, forging deep partnerships, and navigating regulatory landscapes, I led initiatives that improved access to credit for underserved businesses and drove sustainable growth for our stakeholders. Prior to Indifi, my 14-year career at Citibank, Edelweiss Financial Services, ICICI Bank, and Indiabulls Housing Finance allowed me to build deep domain expertise across mortgages, commercial & SME lending, secured and unsecured loans, and microfinance. Stewarding credit policies, launching new products, and scaling portfolios—my hands-on leadership style ensured I always remained close to both people and process. Today, after stepping back from day-to-day management, I serve as a Board Director and Strategic Advisor for multiple innovative and emerging ventures, while mentoring the next generation of fintech disruptors.. I’m energized by opportunities that drive financial inclusion, innovation, and responsible lending in India’s dynamic market. I’m open to new challenges—whether scaling ambitious startups, advising on financial product strategy, or helping organizations reimagine risk and credit in a digital-first world.
Stackforce AI infers this person is a Fintech expert with a focus on lending and risk management.
Location: Gurgaon, Haryana, India
Experience: 23 yrs 5 mos
Skills
- Credit
- Risk Management
- Credit Policy
- Underwriting
- Portfolio Management
Career Highlights
- Pioneered digital MSME lending in India.
- Led Indifi to ₹2,500 crore AUM.
- Expert in credit policy and risk management.
Work Experience
JKCement
CEO - Financial Services (3 mos)
Two Point O Capital
Strategic Advisor (3 mos)
Infotel Finance
Strategic Advisor & Non Executive Director (11 mos)
Indifi
Cofounder & Non Executive Director (1 yr 7 mos)
Co-Founder & Executive Director /COO (9 yrs 3 mos)
Digital Lenders Association of India (DLAI)
Treasurer & member Executive Committee (5 yrs 11 mos)
Sammaan Capital Limited
Executive Vice President & National Credit Manager - Commercial Credit (7 mos)
Edelweiss Financial Services Ltd.
Associate Director & Risk Head - Retail Finance (Housing Finance, Mortgage & SME Lending) (3 yrs 8 mos)
Citibank N. A
Vice President & Risk Head - Retail SME (Commercial Lending) & Microfinance (3 yrs 1 mo)
AVP and Regional Credit Manager - Mortgages (2 yrs 2 mos)
Area Credit Manager Mortgages (2 yrs 4 mos)
ICICI Bank
Branch Credit Manager (2 yrs 2 mos)
IL&FS Venture Corporation
Summer Trainee (2 mos)
Education
MBA at Institute of Management Technology, Ghaziabad
B. Com (Hons) at Delhi University
at Delhi Public School Mathura Road
