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Credin was founded on a simple yet ambitious idea: to provide affordable, technology-driven financial solutions to Bharat’s last-mile, creditworthy customers. After a period of exploration, the company found its definitive product-market fit in late 2021 by focusing on the dairy farming sector. Since then, Credin has dedicated itself to building a deep, proprietary understanding and technological infrastructure around this niche. This three-year journey of gaining specialized IP knowledge has now led to a new phase of growth, with the team extensively leveraging AI to automate underwriting, analyze productivity, and predict loan defaults, positioning them to solve a complex problem that has long been a challenge for traditional lenders.