Piyush Nagar’s journey with Credit Samadhaan began with a critical realization while working on a fintech startup: a significant portion of loan applications—around 76%—were being rejected due to low credit scores. This issue was not just a number but a reflection of the financial struggles faced by many individuals and businesses who, because of poor credit, found themselves unable to access the loans they needed to grow or survive. This insight motivated Piyush and his co-founder, Kedar Pathak, to create Credit Samadhaan with a clear mission—help individuals and businesses repair their credit scores and improve their financial well-being.

Drawing on over 15 years of expertise in technology and startups, Piyush took on the role of Chief Technology Officer (CTO). His extensive experience was instrumental in designing the platform that analyzes credit scores and provides actionable steps for improvement. Piyush’s tech-driven approach enabled Credit Samadhaan to quickly establish itself as a solution that was both efficient and impactful.

Piyush’s leadership in technology allowed the team to pilot the product early in 2024 through seminars and webinars aimed at educating people about credit score management. The pilot was a success, with over 100 participants and a 75% conversion rate, confirming the market need for such a solution.

As the platform gained traction, Piyush helped scale its operations rapidly. Within just five months, Credit Samadhaan had analyzed over 400 credit scores, repaired more than 50, and partnered with 300+ Credit Samadhaan Kendra Partners across rural and urban areas. These achievements were a testament to Piyush’s ability to combine technology with a deep understanding of customer needs, particularly in underserved communities.