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Bhupinder Singh is the founder & Group CEO of the InCred Group. The Group comprises of two main entities – InCred Financial Services and InCred Capital, and has interests in several FinTech ventures.

InCred was started by Bhupi in 2016 with a vision to create a new-age Financial Services conglomerate offering a wide range of products and services to the retail, small business, corporate as well as institutional clients.

InCred’s businesses are spread across Retail and Small Business Lending, Wealth Management, Asset Management, Investment Banking and Capital Markets, Institutional Equities Research & Broking along with an interest in FinTech startups specifically in lending, analytics and wealth. InCred has offices across 24 cities in India, and also in Singapore and the Middle-East.

Prior to launching the Group, Bhupi was the co-head of Corporate, Investment Banking, and Markets for Asia Pacific at Deutsche Bank, and was part of the core team that ran the global investment bank and markets businesses.

Bhupi started his career at Deutsche Bank in London as an Associate, and he was amongst the quickest to be promoted to Managing Director - in just a short span of 6 years! He was entrusted with multiple leadership and business building responsibilities and his 16-year career in the bank spanned multiple global and regional roles across fixed income, equities and investment banking, including managing large parts of the bank’s client franchise. In his last role before leaving to set-up InCred, Bhupi managed 3 billion USD of revenues, 1750 investment bankers and traders, and a client franchise including 2000+ corporate, high net worth and institutional clients across 15 countries.

Bhupi who grew up in Bhopal, is passionate about grassroots development in India, and supports several charities working in the field. He is based in Mumbai, where he lives with his wife and two children. He is a sports and maths buff, can provide two-way odds on any event, and enjoys a conversation on most topics under the sun.

Nitin brings over 30 years of experience in the banking and NBFC space, building flourishing private wealth businesses for premiere financial institutions in India. In his most recent capacity, he served as the CEO of Reliance Wealth Management. Prior to that, he was Group Head at HDFC Bank overseeing all-India Private Banking and Investment Product Distribution. He was instrumental in building the HDFC Private Banking network from scratch.

Susmit Misra brings 24+ years of experience in the banking industry, asset management, broking, and NBFC industry. He previously served as the Country Director of Prudent Private Wealth and as an SVP - CBG at DBS Bank. Susmit also served as Business Head of the Investment Services Group at Reliance Securities (Reliance Money) Limited, responsible for driving business development and strategy. Before that, Susmit was Head of Corporate Planning at Reliance Capital, where he was responsible for strategic planning initiatives. Additionally, he was instrumental in driving business development, strategy, and online platform growth at Reliance Mutual Fund as Segment Head - Corporate Solutions Group & New Business Initiatives.

Mr. Sahil Anand is the Chief Operating Officer at InCred Premier, joining in August 2023 to lead marketing, technology, operations, and services. With a career spanning over 15 years in finance and digital transformation, he has significantly contributed to companies like SBI Securities, Reliance Securities, and Axis Asset Management. He has played a pivotal role in the digital transformation efforts within the organizations he has been part of, earning accolades such as the Livewire Award across the Reliance Capital group companies and the Axis Champions Award. Sahil holds an undergraduate degree from Punjab Engineering College and a post-graduate degree from IIM Lucknow. Based in Mumbai, he enjoys reading and travelling with his family.

With over 20 years of experience in banking and wealth management, he has led teams and driven strategy for top firms such as Citibank, HSBC, and Godrej & Boyce MFG Co Ltd. He has worked across diverse sectors including BFSI, consumer durables, and real estate, showcasing a versatile skill set. As a Cluster Head at RBL Bank, he managed operations across branches in Mumbai and Nagpur, significantly improving customer relations and operational processes.

Ms. Jharna Agarwal joined us in March 2024 as our Head of Products, overseeing our entire investment product platform. With over 18 years of experience in wealth management and banking, Jharna has a proven track record of leading product platforms, including her impactful roles at Anand Rathi Preferred and Karvy Private Wealth. Her expertise spans various aspects of product management, including sales, training, advisory, and rebranding initiatives.
Jharna holds a Commerce degree from Kamala Nehru College, Delhi University, and a post-graduate degree from ICFAI Business School, Hyderabad. Based in Mumbai, she has a passion for poetry and enjoys exploring new culinary experiences.

He brings over 15 years of experience in Wealth Management and Capital Markets. His background includes key positions, such as Product Head at Anand Rathi Securities Limited and at Motilal Oswal Financial Services Limited, where he developed and managed financial products.