I am a Chartered Accountant with over 45 years of experience in Housing Finance, Consumer Finance, Business Development, Training, Credit Information, and Management Consultancy. As the founding Managing Director of India’s first Credit Information Bureau, CIBIL, I have led initiatives to build Credit Bureaus and develop Credit Scores in India and internationally. I consult for the World Bank, advising on Credit Information and Financial Infrastructure Development. I founded Athena Advisors and Athena e-learn to leverage my expertise in emerging markets. At Athena CredXpert, we empower individuals and businesses to achieve financial well-being by enhancing their credit health and worthiness