“In India, two-wheelers are more than just a mode of transport — they represent progress, access, and aspiration,” says Aalesh Avlani, Co-Founder and Executive Director of Credit Wise Capital (CWC). “Our goal is to make financing for this segment as seamless and intelligent as buying the bike itself — powered by data, AI, and a digital-first approach.”
The opportunity in two-wheeler finance
India is the largest two-wheeler market in the world, with millions of customers relying on bikes for daily mobility. Yet, despite its size, the financing process for two-wheelers has historically been slow, manual, and dependent on paper-heavy operations.
Avlani and his team saw this gap early. “We realised there was a massive opportunity to digitise and democratise access to two-wheeler loans,” he explains. “Our focus has always been on making the lending process faster, more transparent, and more inclusive — especially for first-time borrowers or those outside the traditional credit ecosystem.”
Building a digital-first foundation
From day one, Credit Wise Capital adopted a tech-first mindset, building its entire lending engine around automation and analytics.
“We wanted to be a lender that thinks and operates like a tech company,” says Avlani. “Our systems are cloud-native, API-driven, and integrated with multiple ecosystem partners — from dealerships and OEMs to credit bureaus and payment gateways.”
The company’s proprietary digital lending platform enables instant eligibility checks, automated document verification, and AI-powered credit decisioning. What once took days now takes minutes. “It’s about giving both dealers and customers an effortless experience,” Avlani adds.
AI, ML, and data-led decisioning
At the heart of CWC’s success lies its data-driven approach. The company uses AI and machine learning models to assess creditworthiness based on a variety of structured and unstructured data sources — from traditional credit bureau scores to behavioural and transactional insights.
“India’s credit ecosystem is evolving,” Avlani explains. “We’ve built models that can understand new-to-credit consumers by looking at digital footprints, payments behaviour, and alternate data signals. It helps us extend loans to customers who may not have a long credit history but are highly reliable borrowers.”
This approach has dramatically improved approval rates and reduced default risk. It also allows Credit Wise Capital to customise products for different customer segments — salaried, self-employed, or gig-economy workers — making finance more accessible across the spectrum.
Partnerships and ecosystem integration
CWC’s growth is deeply tied to its ecosystem-led strategy. The company partners with leading OEMs, dealers, and digital platforms to embed financing directly at the point of purchase.
“Our embedded finance model allows us to meet the customer where they are,” says Avlani. “Whether someone is buying a bike at a dealership or exploring options online, our platform can instantly offer pre-approved, tailored loan options.”
The company also works closely with fintech partners and digital aggregators to streamline customer journeys and drive higher conversions. “Collaboration is key,” he notes. “We believe the future of lending lies in partnerships that leverage data and technology to deliver value.”
Customer experience and speed as differentiators
For Avlani, speed is not just an operational metric — it’s a strategic differentiator. “In a market like India, customer expectations are high. They want approvals in seconds and disbursals in minutes. That’s what we’ve built our tech around.”
Credit Wise Capital’s digital onboarding tools, eKYC, and biometric verification systems have reduced loan processing times drastically. The result is a paperless, contactless journey that benefits both customers and dealers.
“We’ve seen that when dealers can close a financing deal faster, their sales productivity goes up. That’s why our focus is always on enabling smarter, faster decisions — without compromising on risk or compliance,” Avlani says.
Navigating compliance and risk with innovation
Operating in a regulated space means every innovation must align with RBI guidelines and data protection norms. “Compliance is not optional — it’s built into our systems,” Avlani stresses. “We’ve designed our platforms with auditability, data security, and governance at their core. Every digital process — from document verification to credit scoring — is fully traceable.”
The company employs advanced fraud analytics and AI-based risk monitoring to detect anomalies in real time. “Our systems continuously learn and adapt. They flag potential risks instantly, allowing us to act before they escalate. It’s AI not just for automation, but for intelligent control.”
The human touch in a digital world
While technology drives most of Credit Wise Capital’s operations, Avlani believes that human empathy still plays a vital role. “Finance is ultimately about trust,” he says. “Even with automation, we make sure our customers feel supported. Our customer service and dealer support teams play a critical role in ensuring every interaction is clear and reassuring.”
This blend of tech efficiency and human warmth has helped Credit Wise Capital maintain strong customer retention and brand loyalty.
The next frontier
As India accelerates toward becoming a $10-trillion economy, mobility and finance will continue to play central roles in enabling growth. Avlani sees Credit Wise Capital as a key player in that story. “The next phase for us is to expand deeper into tier-2 and tier-3 cities, where demand is massive but access to formal credit remains limited,” he reveals. “We’re also exploring how AI can help us design hyper-personalised products — from flexible repayment plans to dynamic credit scoring — based on real-time user behaviour.”
Avlani is optimistic about the larger digital finance landscape too. “The ecosystem is maturing. India Stack, UPI, account aggregators — they’re all coming together to create a unified, transparent, and inclusive financial infrastructure. For companies like ours, that’s the foundation for the next wave of innovation.”
As Credit Wise Capital scales its digital-first model, its mission remains clear: to make financing faster, smarter, and more inclusive.
“In the end, technology is just a means,” says Avlani. “What matters is how we use it to empower people — to help them move forward, one ride at a time.”