- About Us
Knowledge is enabler and helps one to take correct decisions. Free Score India has embarked on the path of spreading knowledge on credit wellness among masses since it plays a very important role in the financial wellbeing of an individual.
Being aware of your credit worthiness is the first step towards managing and maintaining credit health, Free Score India is extending “Free” credit bureau reports to all resident Indians. Apart from the Credit Bureau Report, a detailed explanation on the nuances of report is also extended to individuals. This helps them understand their credit status, which otherwise becomes a challenging task given the technical nature and complex presentation of the Credit Bureau Report.
Established in 2013, Free Score India is proprietary brand of Credit Sudhaar Finance Pvt. Ltd.
Credit Sudhaar Finance Pvt. Ltd (formerly known as Dipran Finance Pvt. Ltd) is a 14 year old company and is registered as a Non-Banking Finance Company (NBFC) with the Reserve Bank of India.
Mr Arun Ramamurthy is a management graduate from IIM Calcutta and holds a bachelor’s degree in Economics from Presidency College, Kolkata.
Arun has had a long and distinguished career in Indian retail banking spanning various verticals (consumer lending, insurance, credit and collections) across various banks such as Standard Chartered Bank, Citibank and Deutsche Bank.
In his previous roles, he has been responsible for setting up from inception the entire unsecured business for Deutsche Bank's greenfield Indian operation and has handled large businesses (>1000 direct & indirect reportees)
Arun has also pioneered asset resolution in retail assets in India by being part of a start up in this space. This company continues to manage thousands of crores of distressed retail assets.
The over-riding philosophy of his businesses revolves around his belief that everybody needs to manage their credit professionally. This task is best done with expert care and help so that Credit may be nurtured, enhanced and cherished for a lifetime.
Arun is also the author of India’s first book on Credit Scores : "Unlock the Power of Your Credit Score". The book helps people to understand the nuances of credit and also provides them with tools to harness the power of their credit score and save money.
Mr Gaurav Wadhwani is a management graduate from MDI, Gurgaon.
He is an experienced banking professional with over a decade of experience in various roles in credit, credit strategy and policy, credit analytics. He has handled large teams (>500 direct & indirect reportees) in previous roles in Standard Chartered Bank and Deutsche Bank. Gaurav has also been involved in a retail asset resolution company which has pioneered this concept in India.
Mr Wadhwani's business philosophy is predicated on the firm belief that the interests of borrowers and lenders are co-terminus: borrowers wish to be free of crushing debt loads, lenders need a fair resolution which avoids moral hazards while providing an effective and continuing conduit for the release of their NPAs.
Gaurav is also the author of India’s first book on Credit Scores : "Unlock the Power of Your Credit Score". The book helps people to understand the nuances of credit and also provides them with tools to harness the power of their credit score and save money.