Bengaluru: B2B SaaS TechFin company Perfios.ai has announced the appointment of Vinay Sathyanarayan as the new Chief Executive Officer (CEO) of Credit Nirvana, a Perfios subsidiary and one of India’s leading AI-powered debt management and collections platforms.
With this appointment, Vinay Sathyanarayan will lead the company’s strategic direction and growth initiatives, accelerating innovation across debt collections and recovery intelligence.
Previously serving as Chief Product Officer (CPO) for International & Subsidiaries at Perfios, Vinay Sathyanarayan takes over the leadership role at a time when the collections industry is increasingly embracing AI-native and autonomous operations.
The appointment underscores Perfios’ commitment to building strong entrepreneurial businesses within its ecosystem while enabling subsidiaries to scale with greater autonomy and sharper market focus.
A key contributor to Perfios’ growth journey since its inception, Vinay Sathyanarayan has played a significant role in building scalable and high-impact technology platforms that support digital transformation across the banking, financial services, and insurance (BFSI) sector.
During his tenure as Chief Product Officer for International & Subsidiaries, he was instrumental in shaping Perfios’ global product strategy and driving execution across international markets and subsidiary businesses.
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Nitin Chugh, MD & Group CEO, Perfios, said: “Vinay has been instrumental in shaping Perfios’ product and technology journey over the years, combining deep systems thinking with strong execution at scale.
As collections infrastructure evolves toward AI-native and autonomous operations, Credit Nirvana is uniquely positioned to lead that transformation.
Vinay’s understanding of BFSI workflows, intelligence systems, and platform-scale engineering makes him the right leader to drive the next phase of growth for Credit Nirvana.”
With nearly two decades of experience in designing and scaling mission-critical solutions for the financial services industry, Vinay Sathyanarayan brings extensive expertise in technology, product innovation, and operational excellence.
His leadership has also been central to the development of Perfios’ Open Finance Ecosystem, which serves as a key enabler of India’s digital financial infrastructure while supporting the company’s expanding global footprint.
Speaking on his appointment, Vinay Sathyanarayan said: “I am honoured to take on this new role at Credit Nirvana at such an exciting phase of growth for both the company and the broader financial ecosystem.
Credit Nirvana has built a strong foundation in AI-led collections, and the timing for the next phase could not be more important.
Collections is rapidly evolving toward agentic and autonomous workflows, and I look forward to working with the team to help redefine how modern collections infrastructure is built, intelligent, adaptive, and deeply customer-centric.”
Under the leadership of Vinay Sathyanarayan, Credit Nirvana is expected to strengthen its position in AI-led collections and debt management by advancing intelligent, adaptive, and customer-centric collections infrastructure.
The leadership transition further reflects Perfios’ long-term strategy of empowering subsidiary businesses with focused leadership to accelerate innovation and growth in rapidly evolving financial technology segments.
