Gurpreet Singh Sodhi (CreditWise Capital): 10 Key Things You Must Know

Overview

Gurpreet Singh Sodhi is a prominent Indian entrepreneur and financial services professional, best known as the Co-Founder and CEO of Credit Wise Capital, a Mumbai-based Non-Banking Financial Company (NBFC) specializing in two-wheeler and MSME lending. Under his leadership, Credit Wise Capital has rapidly emerged as a key player in the fintech lending space, leveraging technology to expand credit access in India's underserved tier 2 to tier 4 cities. This article explores ten noteworthy aspects of Gurpreet Singh Sodhi’s career and impact through Credit Wise Capital, highlighting the company’s innovative approach, growth trajectory, and strategic partnerships.

1. Co-Founder and Leadership Role at Credit Wise Capital

Gurpreet Singh Sodhi co-founded Credit Wise Capital alongside Aalesh Avlani. As CEO and Executive Director, Sodhi plays a pivotal role in steering the company’s strategic vision and operational execution. His leadership focuses on creating an easy, tech-driven loan experience for customers, especially in semi-urban and rural India. By adopting a customer-centric approach, he has been instrumental in driving Credit Wise Capital’s mission to make credit accessible to underserved populations.

2. Pioneering Technology-Driven Lending

Under Sodhi’s guidance, Credit Wise Capital operates a branchless, tech-driven model that allows the company to underwrite customer loans within one minute. This rapid approval mechanism not only improves customer satisfaction but also enhances operational efficiency. The company utilizes proprietary SaaS-based platforms, blending digital underwriting with physical engagement (“phygital” model), making lending seamless and accessible across over 215 cities and 10 Indian states.

3. Focus on Two-Wheeler and MSME Loans

Credit Wise Capital primarily specializes in financing two-wheelers and micro, small, and medium enterprises (MSMEs). These segments are crucial in India’s economy, serving as economic lifelines for millions. Sodhi’s vision targets expanding affordable and accessible credit products tailored for these sectors, addressing a significant credit gap in semi-urban and rural markets.

4. Significant Institutional Funding and Growth

In July 2025, Credit Wise Capital raised ₹200 crore ($23.3 million) in its maiden institutional funding round, led by Trident Growth Partners (TGP), a private equity firm focused on India’s consumption-driven growth. This infusion, which included ₹120 crore from TGP, was a critical milestone enabling the company to scale up its product offerings, deepen its presence across underserved cities, and further advance its technology infrastructure.

5. Rapid Asset and Customer Growth

As of March 2025, a testament to Sodhi’s effective management, Credit Wise Capital managed assets worth ₹645 crore, up from ₹489 crore the previous year—a 32% increase. The company has financed over 200,000 two-wheelers and maintains a robust capital adequacy ratio of 31.2%. These figures highlight the rapid growth and disciplined financial management under Sodhi’s stewardship.

6. Strategic Co-Lending Partnerships

Sodhi has successfully forged strategic alliances to enhance Credit Wise Capital’s market reach. A notable partnership includes the ₹400 crore co-lending agreement with Muthoot Capital, aimed at digitizing two-wheeler financing across India. Additionally, Credit Wise Capital has collaborated with major banks such as HDFC Bank, combining strengths to offer co-lending products, thereby expanding credit availability in smaller towns.

7. Vision for Long-Term Customer Relationships

Gurpreet Singh Sodhi emphasizes acquiring customers and maintaining relationships over decades, underlining a lifetime value philosophy. He targets living with customers for 40 to 50 years, addressing their evolving credit needs. This approach focuses on cross-selling financial products such as loans against property alongside two-wheeler loans to build a comprehensive financial partner relationship.

8. Emphasis on Financial Inclusion in Bharat

Sodhi’s efforts are deeply aligned with enhancing financial inclusion, particularly in India’s lower-tier cities and rural areas (“Bharat”). His strategy leverages technology and local insights to serve millions systematically excluded from formal credit. By tackling inefficiencies in traditional lending, Credit Wise Capital promotes dignity and mobility through affordable financing.

9. Impressive Industry Recognition and Support

Investors and partners recognize the strength of Sodhi’s leadership and Credit Wise Capital’s innovative model. Trident Growth Partners highlighted the company’s disciplined underwriting, tech-enabled scale, and focus on customer experience. Such endorsements reflect confidence in Sodhi’s vision to scale Credit Wise Capital into a full-stack financial service provider for India’s emerging middle class.

10. Educational and Professional Background

Gurpreet Singh Sodhi has a solid academic foundation, having completed Executive Business Management studies at the prestigious Indian Institute of Management (IIM) Kolkata. His prior experience spans financial services, enabling him to blend strategic management with financial acumen in leading Credit Wise Capital. His professional network and expertise position him as a thought leader keen on innovation within India’s fintech landscape.

Conclusion

Gurpreet Singh Sodhi has been a transformational figure in India’s consumer finance space through his role at Credit Wise Capital. His commitment to leveraging technology, fostering long-term customer relationships, and targeting underserved markets has driven remarkable growth and industry recognition. As Credit Wise Capital advances with increased funding, strategic partnerships, and product diversification, Sodhi’s vision of making credit more accessible and inclusive across India continues to gain momentum. His journey offers an insightful example of innovation, leadership, and purposeful growth in the fintech sector, raising important questions about the future of rural financial inclusion and technology-driven lending in emerging economies.