At Credwise Consultants, we believe that financial solutions are not just about numbers—they are about people, growth, and trust. Established with a vision to provide world-class financial consulting, we combine deep industry expertise, strategic foresight, and a client-first approach to deliver innovative and reliable solutions.
Over the years, we have partnered with individuals, corporates, SMEs, real estate developers, and financial institutions to design tailored solutions that address complex financial needs. With our strong network and advisory capabilities, we have successfully supported over 3000 clients across India and abroad.
Our core strengths lie in Debt Syndication, Real Estate Project Finance, SME IPO Advisory, Private Equity Consulting, Valuations, Legal Services, and Loan Facilitation. We also specialize in guiding clients through stressed asset resolutions, auction property acquisitions, and investment planning, ensuring that their financial journey is transparent and secure.
Sanjoy Guin
Chief Executive Officer
Sanjoy Guin, a Chartered Civil Engineer and proud Jadavpur University alumnus, brings over 30 years of experience in the loan and financial services industry, with deep expertise in sales operations, loan structuring, and asset management. Over the course of his career, he has worked extensively across housing finance, loan against property (LAP), SME lending, and corporate finance solutions, consistently driving portfolio growth and building strong operational frameworks that support long-term business success. A defining phase of his professional journey was his tenure as Assistant General Manager at Asset Reconstruction Company (India) Ltd. (ARCIL), an institution promoted by State Bank of India. At ARCIL, he led the acquisition and resolution of stressed assets across eastern India, covering both corporate and retail segments. Working closely with Mr. Abhijeet Datta (Ex-DMD, SBI and former Non-Executive Chairman of ARCIL), he gained invaluable exposure to large-scale loan restructuring, strategic recovery frameworks, and institutional transformation initiatives. Earlier, as Senior Operations Manager at Deutsche Post Bank Housing Finance Ltd., Sanjoy managed housing loan and LAP portfolios, strengthened sales performance, and ensured operational compliance. His career reflects a unique blend of engineering precision and financial acumen, with proven leadership in developing loan products, streamlining processes, and delivering client-centric solutions. As the CEO of Credwise Consultants, Sanjoy Guin channels his three decades of expertise to provide strategic advisory on loans, sales excellence, and asset management, empowering clients with sustainable financial growth strategies.
Kishore Punjabi
Managing Director
Results-driven financial consultant and real estate investor with expertise in navigating diverse financial landscapes. Offering expert guidance on:
- Personal Loans
- Home Loans
- Business Loans
- Investment Loans
- Mortgage Loans
- Debt Consolidation
- Financial Planning
- Real Estate Investments
Let's build wealth together!
Gourab Ghosh
Director, Valuation & Technical Advisory
Gourab Ghosh is a Chartered Engineer, Government Registered Valuer, and Member of the Royal Institution of Chartered Surveyors (RICS–UK) with over 20 years of combined professional and entrepreneurial experience in real estate valuation, technical appraisal, and consultancy. An alumnus of Jadavpur University (B.E. Civil Engineering) and Annamalai University (M.Sc. in Real Estate Valuation), he has established himself as a trusted expert in property valuation, asset appraisal, and investment advisory across both residential and commercial sectors. He began his career with Housing Development Finance Corporation (HDFC) Ltd., where for more than a decade he led technical appraisals and valuations across Madhya Pradesh, Chhattisgarh, and West Bengal. In 2012, he founded Gourab Ghosh & Associates, providing independent valuation services to reputed clients including State Bank of India, Axis Bank, Reliance Home Finance, Punjab National Bank, IndusInd Bank, L&T Housing Finance, and SIDBI. His work has involved property surveys, investment potential assessments, mortgage valuations, and advisory on acquisitions and disposals, making him a recognized name in the valuation fraternity. With affiliations to leading professional bodies such as the Institution of Engineers (India), the Institution of Valuers (India), the Indian Concrete Institute, and the Royal Institution of Chartered Surveyors (UK), Gourab brings global standards of valuation practice to every assignment. At Credwise Consultants, he serves as Director – Valuation & Technical Advisory, leveraging his expertise to provide clients with accurate property valuations, due diligence, and strategic insights that strengthen financial decision-making and investment outcomes.
Dr. Arindam Chakraborty
Principal Advisor
Dr. Arindam Chakraborty is a seasoned professional with over 27 years of experience across investment banking, management consulting, commercial banking, research, and the power sector. He has worked with leading institutions including Dun & Bradstreet, DCB Bank, Bank of Baroda, and CESC Ltd., contributing to transformation projects, innovative product development, SME-focused platforms, and large-scale restructuring initiatives. Backed by a PhD in Business Management, SMP from IIM Calcutta, MBA (Finance), and MS (Finance), he brings a strong academic foundation to his extensive practical expertise. During his career, Dr. Chakraborty has spearheaded several high-impact initiatives. At Bank of Baroda, he was part of the landmark Project Parivartan, driving business growth from ₹1.8 lakh crore to ₹3 lakh crore, and led restructuring projects worth ₹3 lakh crore along with deal sourcing of ₹2.7 lakh crore. At DCB Bank, he conceptualized and launched the SME Express Loan product, strengthening SME financing. His tenure at Dun & Bradstreet saw him leading 1,500+ consulting mandates, setting up the Bangladesh SME Rating Agency, and designing the innovative “Score Me” DIY rating platform for SMEs. An Amazon #1 Best-Selling Author of “Stay Relevant”, Dr. Chakraborty is widely recognized for his thought leadership and insights on strategy, growth, and adaptability in business. At Credwise Consultants, he serves as Principal Advisor, where his expertise in financial consulting, strategic transformation, and advisory services continues to empower businesses with innovative, sustainable solutions.
Ruma Mukherjee
Director, Retail Finance & Insurance Advisory
Ruma Mukherjee is a dynamic woman entrepreneur with over 10 years of experience in loans, finance, and insurance, widely recognized for her leadership and innovation in the financial services sector across West Bengal. As a retail DSA (Direct Selling Agent) associated with 37 leading banks and NBFCs, she has built a thriving enterprise with an impressive annual turnover of nearly ₹35 crore, making her a trusted partner for both individuals and businesses. Her expertise covers a wide spectrum of loan products, including personal loans, business loans, loans against property, house building loans, used car loans, commercial and heavy vehicle loans, machinery loans, medical equipment loans, as well as cash credit (CC) and overdraft (OD) facilities. With a strong presence in PL, BL, heavy vehicles, wheels, CC & OD segments, she has consistently facilitated finance solutions tailored to diverse client requirements. In addition to finance, Ruma has established a strong footprint in the insurance sector, successfully delivering across life, health, and general insurance products. Supported by a robust network of 100+ connectors (direct and indirect), she continues to expand her business with a client-first approach. At Credwise Consultants, she serves as Director – Retail Finance & Insurance Advisory, where her entrepreneurial vision, strong industry linkages, and proven track record as a woman leader drive sustainable growth and empower clients with comprehensive financial and risk management solutions.
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Reach Us
- Head Office: 55 B, Ground Floor, Mirza Ghalib Street, Landmark - Next to Karims Hotel and opposite Westside on Park Street, Kolkata - 700016
- Registered Office: Flat No 3A, 2nd Floor, Amba Apartment, 438 Kalikapur Road, Gitanjali Park Pump House, Ward No 106, Kolkata – 700099, West Bengal, India
- Call Us: +91 9830291702
- Mail Us: info@credwiseconsultants.com
