Sandeep Ghule is Co-Founder and Chief Product Officer at Credilio Financial Technologies, India's next-generation digital distribution platform for personal finance products including credit cards and loans.

A product and marketing professional with over 20 years of experience, Sandeep built and marketed technology-enabled cards, wallets, and digital payment products at ICICI Bank, HSBC (as Senior Vice President and Head of Card Products), and Indiabulls Consumer Finance.

Sandeep co-founded TranServ with the primary objective of expanding electronic payments in India, and pioneered the concept of distributing online payment products through brick-and-mortar retail channels.

At Credilio, Sandeep leads product lifecycle management and marketing strategy, shaping the platform's vision to empower a new generation of Digital Financial Advisors across India. He also serves as an angel investor in 2 startups and sits on the boards of 2 companies.

Credilio has raised $12.9M across 5 funding rounds, is authorized to distribute products from 25 or more banks and NBFCs, and recently launched the Novio secured credit card in partnership with DCB Bank to drive financial inclusion for new-to-credit users.