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Credit Experts

We're your credit advocate, resource, and guide. But first, we're listeners. We listen to questions about how a 30-day late payment on a credit card might affect your ability to finance a house. Or about how a low credit score might deny you a credit card or a home loan. Or how to best restructure debt in the face of rising costs. All the questions are equally as important and are, really, about managing credit wisely so you can make ends meet.

Our goal is to provide you with a 360-degree understanding of your credit so you're armed with the tools and information you need to make smarter financial decisions.


Rajiv Raj

Rajiv Raj

Rajiv is a credit expert with 10 years experience in personal finance and consumer banking industry and another 7 years in the credit bureau sector. His deep understanding of the loan markets and an experience of working with leading banks such as HDFC Bank, Citibank will help you get loan in a hassle free manner.  

Rajiv was instrumental in setting up the India's first credit bureau,Credit Information Bureau (India) Limited (CIBIL) in 2005and moved on to help UK based Experian Group to set up Experian Credit Information Company of India Private Limited (ECICI) in 2008. This experience gives him an edge in the understanding and nuances of credit report, credit score and what goes into the loan approval or rejection process. At Credit Vidya, Rajiv will help you understand how you rate with banks, how you can avoid loan application rejection, and how to save money with a good credit history and CIBIL score.

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Madan Mohan

Madan Mohan is your banker turned counsellor. Having spent more than three decades in the banking industry, he is well versed with the working of the system as well as various geographies within the country.  This experience led him to take up the role chief counsellor at ICICI Bank promoted, Disha Financial Counselling Centre. During his five year tenure, he helped distressed consumers come out of the debt trap and helped others from falling into one. At Creditvidya, he will be the torchbearer who will guide you through the complex maze of financial markets and personal finance issues.

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About Credit Vidya

We, at Credit Vidya, believe in empowering you. Because we believe that knowledge is not only power but also gives you a sense of belonging. We believe in supporting the consumers by not being their crutch but as catalysts and enablers.

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Credit Tips

Make sure that all deals and offers agreed upon are supported by relevant papers. You should always ask for a letter in a banks letter-head mentioning the likes of, exact rate of interests, processing fees, pre-payment charges along with interest-schedule.

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Success Stories

Dr. K. S. Sobhana

Dr. Sobhana, a Senior Scientist with Central Marine Fisheries Research Institute, was having trouble with her auto loan because of her CIBIL report. She spoke to one of our Credit Experts and ...

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