SK Kumar is a seasoned banking and financial services professional with nearly two decades of experience spanning Corporate Finance, Debt Syndication, Project Finance, Working Capital Structuring, Investment Banking, Capital Markets, IPO Advisory and Strategic Financial Consulting.
As the Founder & CEO of Credex Group, he has facilitated funding transactions exceeding ₹8,000 Crores and supported more than 1,500 businesses across India, including startups, MSMEs, established corporates, pre-IPO companies and growth-stage enterprises.
His expertise extends across the entire capital lifecycle of a business—from institutional debt financing and structured credit solutions to private equity, venture capital, Alternative Investment Funds (AIFs), mergers and acquisitions (M&A), capital restructuring and public market readiness.
Over the course of his career, he has developed an extensive network of relationships with Public Sector Banks, Private Sector Banks, NBFCs, Financial Institutions, Investment Banks, Merchant Bankers, Private Equity Funds, Venture Capital Investors, AIFs and Family Offices. These institutional relationships, combined with his understanding of credit assessment, capital structuring and financial governance, enable him to guide businesses through complex funding requirements and strategic growth decisions.
Beyond facilitating capital, his professional philosophy centres on financial discipline, responsible lending, transparency and sustainable business growth. He believes that successful financing begins with understanding a business's financial position, identifying the appropriate capital structure and ensuring long-term repayment sustainability.
Drawing upon his experience working with entrepreneurs and financial institutions, he is now spearheading 3CAP — a technology-driven Capital Intelligence Platform designed to transform how Indian businesses assess their financial health, understand funding eligibility and navigate their journey from Debt to Equity to IPO.
His broader vision is to bridge the information gap between businesses and capital providers through technology, financial intelligence and institutional expertise, empowering entrepreneurs to make informed capital decisions and build financially resilient enterprises.
Areas of Expertise Certifications