IREP Credit Capital is a Non-Deposit taking NBFC headquartered in Mumbai offering secured business loans to MSMEs in tier 3 and tier 4 towns.
About Us
THE IREP STORY
Your Trusted Lender in the MSME Space


IREP has established itself as a trusted lender in the retail lending space through its tailormade credit solutions to local entrepreneurs in the southern states of Andhra Pradesh, Telangana and Karnataka. IREP’s core offering is the Dhan Sankalp Loan that is specifically crafted to cater to the immediate financial needs of relatively smaller sized businesses irrespective of the industry in which they operate. With a focus on quick, sustainable credit and last mile reach, IREP’s loans are targeted towards the largely underserved semi-urban and rural areas of the country’s financial system in order to empower local entrepreneurs realize their financial goals and make them ‘Atmanirbhar’. IREP’s long-term vision is to establish itself as a one-stop-shop for hassle-free credit solutions designed to meet the financial requirements of MSMEs.
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Branch Office
StructurePersonal discussion with each prospect by the Area Manager
Site visit for due diligence of financial and operational aspects of each business by the CRO and the BM
Third party independent Legal and Technical evaluation of each collateral
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Hub office in
HyderabadCredit, Business and Operations head at Hyderabad reviews each file
Any gaps are duly reconciled through seamless coordination with the branch offices
Shortlisted files then sent to Mumbai for final approval
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Head Office in
MumbaiAll pre-approved files are evaluated and reconfirmed by the team at Mumbai
Final credit approval and loan disbursal is then initiated from IREP Bank Accounts via electronic transfer
Meet The Leadership
Board Of Directors & Advisors

He managed 7 investments totaling US$ 750 MM of equity with a total asset value of US$ 2,500 MM. He served on the Board of various portfolio companies including Oberoi Realty, Panchshil Realty, and Mantri Realty.
Prior to joining Morgan Stanley, Naresh worked with Lehman Brothers, based largely out of the US and for a couple of years out of India. In the US, he worked in various capacities across the Lehman Brothers Real Estate Funds’ North American and Indian portfolios.
He was also involved in creating the initial Asset Management infrastructure upon Lehman Brothers’ first venture into the real estate private equity space in 2001. In India, he was the head of Asset Management for Lehman Brothers Real Estate Partners (LBREP). He invested and managed over US$ 325 MM of equity investments.
Prior to that, Naresh lived in Goa, India, where he owned and operated his own architectural practice and real estate development company.
Naresh has graduated from the Goa University in India with a degree in architecture.

In his corporate practice, he has advised clients on a range of contentious issues including international corporate commercial transactions, banking and labor matters along mergers and acquisitions.
Hitesh advises on exchange control regulations, foreign investments in India, outbound investments from India, incorporation of entities in India, power and infrastructure projects, and general corporate matters.
Hitesh has an especially strong practice with Media and Sports laws and his involvement in Sports laws can be noted in relation to the Commonwealth Games, the Indian Olympic Authority, the BCCI, and Hockey India along with several corporate battles.
Hitesh has advised several leading media and Bollywood personalities in their legal encounters.
Hitesh was enrolled as an advocate of the Bar Council of Maharashtra and Goa in 1995 after completing his LLB from Symbiosis Law College in Pune.
In 1996, he attained his LLM in international commercial and corporate laws from the London School of Economics in the UK.

He also serves as Managing Director and Founder of Clear Bridge Asia Capital (CBAC), wherein he works closely with real estate developers and operators across the Asia Pacific region in their capital, operational and investment planning/execution activities.
Prior to CBAC’s formation in 2012, Rob was most recently a Managing Director and Head of Asset Management for Morgan Stanley Real Estate Investing (MSREI) Asia Pacific, where he oversaw the group’s asset management activities in Mainland China, Hong Kong, Macau, India, Singapore/SE Asia, and Korea.
Rob also represented MSREI interests as a voting member of the Board of Directors in most transactions in the region.
Prior to joining MSREI, Rob spent 10 years with Prudential Real Estate Investors in their Newark, Short Hills, and Parsippany offices in New Jersey, USA.
Rob has a degree in Accounting from the University of Scranton and has done his MBA from Leonard N. Stern School of Business (New York University).

Prior to joining IREP Credit Capital, Prince was an Executive Director and CEO at Jacinth Finvest in Hyderabad.
In this role, he was responsible to lead the entire operations, from raising debt to building a secured lending book.
Prior to Jacinth, he worked with Asmitha MicroFin, an NBFC-MFI in Hyderabad as Vice President, Planning.
He has earlier worked at Dell Computers in the Global Fraud Prevention team in Hyderabad and at GE Consumer Finance in Hyderabad where he was managing late-stage collections.
Prince has completed his M.Sc. in Finance from Exeter University, UK.

As an industry veteran, he currently advises and mentors a host of companies across various functions in the BFSI and IT sectors.
He most recently served as the COO for Avendus Capital where he led the Strategy, IT, Risk Management, Finance and Operations functions.
Prior to Avendus, he served as the CIO for HDFC Bank for over 7 years having played a key role in digital transformation of the bank. He undertook some key initiatives around Core Transformation, Data Warehouse, Analytics, Digital Banking and Business Continuity. He also led the Coordination Council for Financial Inclusion and Sustainable Livelihood Banking.
Anil also spent over 18 years with Citibank at their Chicago, New York, Singapore and India offices having led functions like Cash Management, International Trade, Foreign Exchange & Derivatives, Asset Sale and Commercial Cards.
Anil is a post graduate from IIM, Ahmedabad and an engineer from IIT, Kanpur, and brings with him a strong set of credentials and rich experience across financial services.
Meet The Leadership
Senior Management Team

Prior to joining IREP Credit Capital, Vibhor was working as the National Head – Risk, MSME & Rural Mortgage Business at Bajaj Finance Ltd based out of Pun.
In this role, he was responsible for risk management of Loan Against Property (LAP), Home Loan (HL), and Business Loan (BL) products in largely rural locations.
This included policy formulation, portfolio monitoring, customer segmentation, and building respective risk framework norms on a Pan India basis.
Prior to this, he worked with Karvy Finance Ltd. as Vice President, National Credit & Risk Head – Mortgages, Loan against Gold in Mumbai.
In his role at Karvy, he was responsible for credit underwriting, risk metrics monitoring of Micro Enterprise portfolio consisting of a retail mortgage, loan against gold, and small commercial vehicles on a Pan India basis.
He has also worked with Financial Institutions such as Fullerton, GE Money, ICICI Bank, and Tata Home Finance on the retail secured and unsecured underwriting side across the country.
Vibhor is a qualified ICWA and has a graduate degree in commerce from the University of Rajasthan.

He is a qualified Chartered Accountant and seasoned banking & finance professional with over 17 years of work experience.
He has managed responsibilities of legal entity control, regulatory reporting, audits, financial planning & analysis, capital planning, treasury governance, project management, and tax compliances for various business entities like banks, NBFCs, securities broker-dealers, etc.
Prior to joining IREP, Manmohan worked in the Finance team at Barclays Bank Plc, India branches.
He was also the CFO of Barclays Investments & Loans India Limited, the NBFC arm of the Barclays Group in India and his work experience also includes a stint at Lehman Brothers (India).

Her experience includes Asset Liability Management, ALCO, resource raising from debt capital markets and banks, treasury operations, and managing investor relationships.
Prior to joining IREP Credit Capital, she was in charge of the Treasury at India Infoline Limited and also had a stint with Bank of America Merrill Lynch in the Treasury department.
She is a qualified Chartered Accountant and completed her articleship at PricewaterhouseCoopers. She holds a Bachelor’s Degree in Commerce from Narsee Monjee College of Commerce & Economics, Mumbai.

He is responsible for growth, new business initiatives and partnerships and has been with IREP since 2013. Prior to his current role, he was a part of the corporate lending team of IREP.
Prior to joining IREP Credit Capital, Ronak was an Associate Vice President at IFCI Limited, operating in the areas of deal sourcing, credit analysis, syndication and asset monitoring.
He has also worked across equity, debt and structured products. In this role he has worked on over 10 deals and proprietary investments of US$ 250 MM across sectors.
Ronak has completed his MBA from MDI, Gurgaon and Electronics Engineering from D J Sanghvi College of Engineering at the University of Mumbai.
The global outbreak of the Coronavirus (Covid-19) pandemic in early 2020 had a devastating impact on the economy. In response to the pandemic, drastic measures were undertaken to prevent the spread of the virus and a nationwide lockdown was announced by the Government. Each district was categorized into Red, Orange and Green Zones, allowing only the businesses falling under Essential Services to remain open through the lockdown.
- IREP undertook a proactive approach through multiple measures to safeguard itself from the ill effects of the virus and the lockdown.
- Immediate steps were undertaken to alleviate borrower concerns; on-ground teams engaged with customers in an empathetic manner to maintain morale and help revive businesses as lockdowns eased out.
- Strategy: Branch offices categorized in Red, Orange and Green Zones, monitoring of collections, business revival and impact assessment studies. Businesses further categorized under Essential and Non-essential services to assess impact of lockdowns.
- Customer Outreach: IREP proactively reached out to all its customers to assess their performance, and the need for further financial and operational support.
- Moratorium: IREP offered the RBI Moratorium for EMIs falling due from March to August 2020 to all its eligible customers.
- ECLGS: Govt’s Emergency Credit Line Guarantee Scheme extended to eligible borrowers with loans offered up to 20% of existing loan outstanding as on February 29th, 2020 at fixed interest rates of 14% and a one year moratorium on principal repayment.
- TopUp Loans: IREP offered TopUp loans to promising customers with consistent repayment track record during the moratorium months and in dire need of funds to revive their businesses.
- Restructuring Program: IREP extended Loan Restructuring under RBI Guidelines for MSMEs to existing borrowers eligible as per the circular dated August 6th, 2020 thereby alleviating the ongoing stress due to Covid and temporarily reducing the repayment burden.