About Us

Who are we?

ProCredit is a tech-enabled SME lender started by a senior founding team with over 50 years of combined emerging markets SME-lending experience, having held senior credit roles at Citigroup, Standard Chartered, ANZ, and the Asian Development Bank. 

Leveraging this deep domain expertise, ProCredit aims to become one of the largest SME lenders in the Philippines, employing a credit-first client engagement model, rules-based underwriting and portfolio management architecture, and flexible product offerings with risk-based pricing, all in service of providing best-in-class customer experience and closing the credit cap in the Philippines mid-market SME segment. 

Founders’ experience

Managed SME portfolios $ 500m and over in over 10 emerging market countries.
Extensive experience in emerging markets with a lack of financial data & disclosure, weak legal collateral enforcement, and characteristics similar to the Philippines.

Extensive risk management experience in emerging markets.

Adnan Agha


Adnan is a senior banker with 34 years of Operations and Risk Management experience; he held senior roles at Citibank, ADB, and other large banking institutions, leading global risk management in multiple emerging markets.


Mitra Dwaipayan

Chief Lending Officer

Mitra is an experienced Lending professional with a demonstrated history of working in the financial services industry.

He held senior roles in multiple emerging countries in South and SE Asia. He was instrumental in scaling unsecured lending business via digitization in Vietnam & India. In his last assignment, he was the COO of an SME-focused bank in Cambodia.

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