About us

At FinAggilLity Consultants LLP, we understand that today’s business landscape is a complex blend of rapid technological change and financial intricacies. Our purpose is to be your trusted partner, combining financial mastery, technological agility, and unwavering reliability.

Our Mission
We work alongside MSMEs, financial institutions, and green ventures to transform complex business challenges into clear, actionable strategies and sustainable, future‑ready execution.

Our Philosophy
True success is built on both strategic vision and hands‑on execution. We go beyond simple advisory by dissecting complex problems into manageable components, applying adaptable strategies that pivot with market changes. Our frameworks empower resilience, scalability, and long‑term success.

Our Founder — Pawan K. Aherao,  

Background:

Pawan K. Aherao is the Founder & Managing Partner of FinAggilLity Consultants LLP, bringing over 24 years of leadership across corporate credit, fintech innovation, and rural development. Formerly Vice President at SMFG India Credit Co. Ltd., he led the North India business loan vertical, managing multi-billion-rupee portfolios and driving strategic growth across five states.

His early career in the development sector included leadership roles at Bhartiya Samriddhi Finance Ltd. and the Center for Advanced Research & Development, where he worked on livelihood enhancement and sustainable development in tribal regions. As a consultant with Indian Grameen Services (Basix Group), he helped NGOs transition into profitable microfinance institutions — a foundation that now informs GreenCred’s ESG-led lending model.

Pawan is also a Certified Independent Director (IICA Databank, Ministry of Corporate Affairs), blending governance expertise with innovation in AI-powered financial ecosystems.

Expertise:

• AI-powered credit underwriting and banking analysis

• Designing forensic-ready templates and modular AI agents

• Synthesizing regulatory, operational, and technical requirements into scalable solutions

• Mentoring novice teams with step-by-step clarity

• Rural finance, microcredit transformation, and ESG-aligned lending frameworks

Credentials & Education:

• Independent Director Certification, IICA Databank

• MBA in Finance, MSW in Personnel Management & Labour Welfare, M.A. in Sociology, B.Sc. in Biology

• Specialized certifications: Retail Banking, Credit Professional, Banking & Finance (IIBF)

• Fintech specialization in AI & ML (University of Texas System, edX); AI Entrepreneurship Strategy (Coursera); Generative AI Leadership (Microsoft and Google Skills); and continuous learning in Gen AI, Cloud Infrastructure, and ESG & AI through programs with Google Skills, Coursera, IMI Kolkata, and CRISIL.

"Under the leadership of our founder, FinAggilLity has envisioned three core pillars of its modular fintech ecosystem — MSME & SMB, ESG & Sustainable Finance, and Behavioral Finance — all interconnected and delivered as an AI‑first advisory platform."

MSMEcred is designed as an AI-first advisory platform to resolve the challenges of India's MSME sector. The goal is to build a Fintech ecosystem with a suite of AI agents to help MSMEs access credit, manage finances, and grow.

MSMEcred - AI first Advisory

GreenCred - ESG & Sustainable Finance

GreenCred bridges MSME credit with sustainability. Rooted in rural development and microfinance expertise, it enables ESG‑aligned lending, carbon offset integration, and green finance pathways that reward responsible business practices.

LoanRewards - Behavior Finance Marketplace

LoanRewards transforms repayment discipline into opportunity. By incentivizing timely payments and fostering referral networks, it builds a culture of reliability while unlocking access to better credit terms and financial rewards.