Redefining credit underwriting through AI-enabled financial spreading and intelligent analytics.
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Our Company
Over 5 years ago, we recognized the need for a comprehensive financial spreading solution that could overcome the many limitations of then-existing automated systems, primary among them being the use of document scanning technology that fell reasonably short of expectations. We developed a powerful, proprietary technology that employed pixel-based scanning to dramatically improve the level of accuracy.
The result was ScaleCred, a platform that redefined credit underwriting and risk analysis through its unique features and insights.
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Starting with financial spreading as its core offering, ScaleCred has constantly worked towards enhancing the level of credit and risk analysis. The combination of technology and domain specialists helps in streamlining clients’ underwriting processes.

Along with automated financial spreading, we offer value-added features that help banks and financial institutions augment their decision-making abilities.

Designed with ever-changing requirements in mind, ScaleCred offers a completely customizable environment that can be designed to suit client organizational needs.
Our Clients
Since inception, ScaleCred has worked with 100+ clients across the financial services spectrum, including
G-SIBs
Investment Banks
Commercial Banks
Non-banking Lenders
Corporates
Our Competitive Advantage
ScaleCred is constantly implementing value-added features to enhance the level of analysis. Besides offering a comprehensive financial spreading platform, ScaleCred employs text analytics technologies to analyze structured & unstructured data. Our clients have acknowledged the following impacts in their underwriting processes:
50% to 70%
Cost savings in
underwriting processes.
3x to 10x
Improvement in cycle
times.
Detailed risk profile
of borrower’s financial
health.
Consistency
in underwriting
processes.
Our Leadership
Vishal Garg
Co-Founder
Areas of Expertise
Banking, Credit Risk, Artificial Intelligence, Data

Vishal has three decades of multi-continent financial industry experience. He had a distinguished international banking career with Citigroup acting as a leading authority on credit risk data and technology. He previously served on the management team of e-Serve International Ltd. He is also an active participant in the Harvard Business Review Advisory Council and McKinsey Quarterly Global Surveys Executive Panel.

Vishal has a passion for leveraging AI and other cutting-edge technologies to improve lending and credit risk processes. He is a CFA charter holder and an alumnus of the National Institute of Industrial Engineering (NITIE). Vishal has successfully completed the ‘Leading with Data and Analytics’ program from Chicago Booth School of Business.

Ravi Sonthalia
Co-Founder
Area of Expertise
Private Equity, Financial Analytics, Artificial Intelligence

Ravi is an entrepreneur with a strong focus on technology and data analytics. He is focussed on developing innovative solutions for financial institutions, including credit risk assessment models and automated financial platforms. His ventures have successfully collaborated with multiple Fortune 1000 companies, and has built efficiencies in the financial sector.

Before his entrepreneurial journey, Ravi built a successful career in private equity a USD 2 bn, where he gained extensive experience managing investments across industries such as manufacturing, pharmaceuticals, financial services, and industrials played a pivotal role in evaluating and managing investments in India.

He is an MBA in Finance from IIM Bangalore and did his Bachelors in Commerce from SRCC, Delhi University.

Josh Heihn
Sales Director
Areas of Expertise
Sales Management, Portfolio Development, Client Relationships

Josh is a seasoned banking professional with over 20 years of experience in sales management and credit analysis. His track record of consistently exceeding sales targets and enhancing customer satisfaction positioned him as a vital asset to large banking institutions, including U.S. Bank and Bank of the West.

Josh possesses a distinctive skill set that encompasses portfolio development, the establishment of DeNovo banking branches, formation of high-performing sales teams, and management of commercial credit teams.

In addition to his professional accomplishments, he is a certified scuba diving instructor and holds a Bachelor of Arts in Spanish Education from Northwest Missouri State University.

Agustin Lago
Sales Director
Areas of Expertise
Business Development, Risk Management, Strategic Planning

Agustin has 30+ years of experience in the financial services industry across multiple areas including relationship management & business development, banking operations, risk management, transformation management, and strategic planning across multiple cultures, organizations and geographies.

For the last 12 years, Agustin has been advising financial institutions to effectively drive strategic transformation in their businesses.

Agustin holds an MBA from San Francisco State University and a B.S. in Industrial Engineering from Universidad Javeriana in Colombia.

Take intelligent
decision-making to
the next level.

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