Sunil Agithakaliya has taken on the role of Whole Time Director and Chief Operating Officer at CRIF Credit Information Services Private Limited. He has been associated with CRIF for several years and brings more than 27 years of experience across the banking and financial services sector, including more than two decades in the credit bureau industry.
Agithakaliya’s professional experience covers operations, business process transformation, digital enablement and credit information services. At CRIF, his responsibilities have included credit bureau products and operations, data-related functions and initiatives focused on strengthening credit information processes.
CRIF’s official profile identifies Agithakaliya as its Interim Whole Time Director and COO. The company says his experience includes building scalable systems and supporting reliable and efficient credit decision-making. His work has also involved credit infrastructure across South Asia, the Middle East and Africa, with exposure to central banks, financial institutions and public credit registries.
His career at CRIF has also included responsibilities related to bureau operations, products and data protection. In 2024, he participated in CRIF’s InFocus event, where he presented insights on data quality and consumer grievance resolution in the credit information ecosystem.
Agithakaliya has also been involved in developments around India’s changing credit-information infrastructure. In March 2026, he spoke about the transition to weekly credit-data reporting by lenders. CRIF High Mark, along with other credit information companies, was preparing for the increase in data volumes and the operational requirements associated with more frequent reporting.
His professional background includes expertise in operational discipline and process improvement. CRIF’s profile notes his use of Lean Six Sigma methodologies to improve efficiency, strengthen quality frameworks and support outcome-focused delivery.
Agithakaliya’s professional qualifications and training also span technology, management and process improvement. His LinkedIn profile lists an executive programme in Leadership and Management from the Indian Institute of Management Calcutta, a programme in Finance for Decision Making from the Indian Institute of Management Bangalore, and training in quantitative data analytics from the Indian Institute of Management Ahmedabad. It also lists certifications including Lean Six Sigma Black Belt, Project Management Professional, ITIL and Microsoft Certified Software Engineer.
His experience also includes data protection. His professional profile lists a Certified Data Protection Officer certification from PECB, along with certification as an ISO/IEC 20000 Senior Lead Implementer.
The appointment comes as credit information and data infrastructure continue to play an important role in India’s lending ecosystem. CRIF provides credit information and related data services to support lenders and other participants in making credit decisions.
In his expanded leadership role, Agithakaliya will combine his operational experience with his long-standing work in the credit information sector. His responsibilities as Whole Time Director and Chief Operating Officer place him in a leadership position covering the company’s operations and execution.
Agithakaliya’s latest role builds on his experience across credit bureau operations, data protection, technology-enabled processes and financial services. His more than two decades of experience in the credit bureau industry will form part of his leadership mandate at CRIF Credit Information Services.
