Episode 72: Scaling to ₹20,000Cr in Disbursals The InCredAble Story | Ram Kewalramani

Ram Kewalramani, Co-Founder and Managing Director of CredAble, has reimagined how working capital flows through India’s supply chains. With a career that spans investment banking, logistics, and now fintech innovation, Ram has quietly built one of India’s leading enterprise-focused lending platforms disbursing over ₹20,000 crore in working capital to thousands of businesses. From creating embedded credit rails to transforming invoice discounting through APIs, Ram’s story is a masterclass in vision, resilience, and execution. In this episode of #DamaniTalks, Anirudh A. Damani dives deep with the man behind CredAble exploring his early wins, hardest pivots, and what it really takes to build a tech-first NBFC in India’s complex financial ecosystem. Ram opens up about: Why CredAble was born from solving a real B2B capital gap How investment banking prepared him for entrepreneurship The hard truths behind scaling a lending business in India Building a digital-first risk and underwriting engine Why founder grit outweighs pitch decks in fintech His take on embedded finance, SME credit, and the next wave of lending innovation This isn’t just another startup story it’s a blueprint for how fintech can power India’s economic backbone. If you're a founder, fintech nerd, or someone fascinated by India’s evolving credit ecosystem, this conversation will change the way you think about capital.Chapters:00:00 Intro – setting the stage for Ram’s entrepreneurial story00:03 Pivoting in COVID – Credible’s birth to solve liquidity crunch08:06 Banking Crisis Lessons – resilience, due‑diligence & strategic pivots16:10 Fail‑Forward Mindset – why embracing setbacks fuels growth24:15 Closing the MSME Funding Gap – building Credible’s supply‑chain platform32:17 First Invoice Win – 15‑month grind to product‑market proof40:21 Humor & Hustle – keeping morale high through founder lows48:24 Ego‑Free Decisions – “agree to disagree” and clear ownership56:29 Smart Capital Strategy – raising ~$50‑60 M without over‑dilution1:04:30 SaaS for Banks – seizing the licensing wave in supply‑chain finance1:12:35 Data‑Driven Ops – monthly metric reviews & unit‑economics focus1:20:37 Journey over Destination – reflections, internships, and keeping it simpleMore about our Guest, Ram KewalramaniLinkedin: https://www.linkedin.com/in/ram-kewalramani-87b6508?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=ios_app Instagram: https://www.instagram.com/ramkew?igsh=MXZxa28zMDlxbjFlZA==Learn more about your host, Anirudh A. DamaniLearn more about your host, Anirudh A. Damani Website: https://www.showmedamani.com Instagram: https://www.instagram.com/showmedamani/ LinkedIn: https://www.linkedin.com/in/showmedamani/ X: https://x.com/showmedamani WhatsApp Channel: https://whatsapp.com/channel/0029ValxvDNChq6Rd5AbUQ3H Spotify: https://open.spotify.com/show/7xtO07c4PfYHX6RhJ1IkA2

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