Verified employee & interview reviews

Credit Saison India Reviews

Bengaluru, Karnataka

4.5/ 5

2 reviews

Credit Saison India, registered as Kisetsu Saison Finance (India) Private Limited, is a prominent, rapidly growing Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI). Incorporated in June 2018 as a wholly owned subsidiary of Credit Saison Japan, the company obtained its NBFC license in September 2019 and officially commenced lending operations in November 2019. Headquartered in Bengaluru, Karnataka, Credit Saison India operates as a key international pillar of the Credit Saison group under its global arm, Saison International. The company utilizes a technology-first, neo-lending conglomerate model designed to address India's vast credit gap, particularly among underserved and underpenetrated segments. Credit Saison India operates across several distinct business verticals: wholesale lending, co-lending/fintech partnerships, and direct lending. Under its wholesale lending vertical, the company provides structured debt and credit solutions to other local NBFCs focusing on consumers and micro, small, and medium enterprises (MSMEs). Through its co-lending and fintech partnership model, it collaborates with various digital partners and financial institutions to leverage technology for scalable retail loan origination. In February 2022, the company successfully diversified by launching its branch-led direct lending business for MSMEs, deploying physical offices alongside deep-tech underwriting to drive financial inclusion. It further expanded its portfolio in 2024 by introducing its Secured Direct Business, offering asset-backed products such as home loans and loans against property (LAP). Demonstrating significant operational velocity, Credit Saison India scaled its assets under management (AUM) to INR 18,175 crore as of March 31, 2025, compared to INR 11,983 crore the previous year, marking a year-over-year growth of over 51%. The company maintains a robust nationwide infrastructure, expanding from a digital-first setup to a sprawling physical footprint of over 100 locations across 68 cities and employing more than 1,400 people. To date, it has facilitated over 9.6 million lifetime loans and services a base of 1.9 million active customers. Financially, Credit Saison India maintains excellent creditworthiness, holding a prestigious AAA rating from both CRISIL and CARE Ratings. As of March 2025, it reported a comfortable capital position with a tangible net worth of INR 3,565 crore, backed by equity infusions from its Japanese parent organization. Its capital structure was significantly bolstered in March 2024 when Mizuho Bank, Japan, invested INR 1,200 crore to acquire a 15.10% equity stake, leaving the Credit Saison group with an 83.65% majority shareholding. Under the leadership of Whole-time Director & CEO Presha Paragash and Non-Executive Director & Chairman Kosuke Mori, Credit Saison India continues to innovate through embedded finance, localized risk frameworks, and advanced tech infrastructure to solidify its position as a leading financial institution in India.