About CreditUp
At CreditUp, we believe every individual and business deserves a second chance at financial freedom. With over 10+ years of combined expertise, our team of seasoned banking professionals, chartered accountants, and insolvency experts has successfully resolved debts worth more than ₹10,000 crore.
We specialize in debt counselling, OTS (One Time Settlement) negotiations, legal support, restructuring, and funding solutions that are designed to ease financial stress and restore credit health.
Our strength lies in transparent processes, ethical practices, and proven results. With a 91%+ success rate and over 2000 clients helped, we’ve become a trusted partner for individuals, entrepreneurs, and businesses across Mumbai and beyond.
At CreditUp, we are proud pioneers in using the Mediation Channel for debt resolution, ensuring outcomes that benefit both borrowers and lenders. Through our innovative “Debt Hospital” approach, we provide complete financial care — from diagnosis of the problem to full recovery.
When you choose CreditUp, you don’t just get debt solutions — you get a dedicated partner committed to protecting your rights, reducing your burden, and guiding you toward lasting financial stability.
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The Team Behind CreditUp
Vikas Singh – Founder
A seasoned professional with experience in banking and law, Vikas has worked with Standard Chartered, Citi Bank, and Reliance Finance. Since 2011, he has successfully handled debt portfolios worth ₹7500+ crore, making him a trusted name in corporate restructuring and legal solutions.
Anuj Kuthialla – Co-Founder
Anuj is a seasoned banking professional with 25 years of experience in Asset Reconstruction and Real Estate. He specializes in acquiring stressed assets and resolving issues through effective restructuring strategies. With strong negotiation skills, Anuj excels in purchasing Non-Performing Assets (NPAs) from banks and financial institutions, and securing funding from banks, ARCs, NBFCs, Special Situations Funds, and HNIs.
Key Areas of Expertise:
- Distressed asset acquisition
- Turnaround strategies
- Corporate legal navigation (NCLT, NCLAT, DRT, DRAT)
Anuj has worked across multiple sectors, including Hospitality, Textiles, Education, Real Estate, Food, Oil, Steel, Ceramics, and Infrastructure.
In his career, Anuj served as Sr. Vice President in charge of acquisitions at Phoenix ARC, sponsored by Kotak Bank, where he focused on enhancing asset recovery and management. Before his tenure at Phoenix ARC, he held significant roles in the Asset Reconstruction Division, contributing to successful projects and initiatives.
Ajit Kumar – Advisory Board Member
Ajit brings 30+ years of leadership in banking and financial services. Skilled in business strategy, credit risk, and recoveries, he has built businesses from scratch and mentored teams, driving success through innovation and strong execution.
Anoop Gairola – Advisory Board Member
With nearly 20 years in commercial and retail banking, Anoop specializes in infrastructure financing, priority sector lending, and business strategy. He focuses on growth planning, risk management, and revenue optimization to strengthen financial structures.