CRIF High Mark Credit Information Services Pvt. Ltd., an RBI-licensed credit information company, has announced the appointment of Mr. T. Koshy as an Independent Director to its Board. In addition to this role, he will also Chair the company’s IT Steering Committee, further strengthening CRIF High Mark’s focus on corporate governance, innovation, and technology-driven credit insights.
With more than three decades of experience in digital transformation, governance, and public digital infrastructure, Mr. Koshy brings extensive leadership expertise to the organization. He recently served as the founding Managing Director and CEO of the Open Network for Digital Commerce (ONDC), where he played a pivotal role in building one of India’s most ambitious digital public platforms.
An alumnus of IIM Bangalore, Mr. Koshy has had an illustrious career in technology-led ecosystem building. He was part of the founding team at the National Securities Depository Limited (NSDL) and has contributed significantly to several of India’s flagship digital initiatives, including Aadhaar, eVIN, CoWIN, and the GST Network. His experience in steering large-scale, secure, and interoperable digital systems positions him as a valuable addition to CRIF High Mark’s Board.
Welcoming him to the Board, Mr. Sachin Seth, Chairman of CRIF High Mark, said, “Mr. Koshy’s deep expertise in digital transformation will be instrumental in advancing our mission of enabling responsible and inclusive credit access.”
This appointment underscores CRIF High Mark’s commitment to leveraging technology to enhance the accessibility, transparency, and efficiency of India’s credit ecosystem. With Mr. Koshy’s leadership on the IT Steering Committee, the company aims to further strengthen its data analytics, product innovation, and governance frameworks — supporting its vision to empower financial institutions, lenders, and consumers with actionable, technology-led credit insights.
Through this strategic addition to its Board, CRIF High Mark continues to build on its legacy as one of India’s most trusted credit information companies, aligning its growth roadmap with the nation’s digital transformation journey.
