“With Google Workspace, InCred is building a new way to work by driving continuous improvement and unleashing the builder within.”
- Ashwin Sekar, Chief Product & Technology Officer, InCred Finance
InCred Finance is a new-age financial services group that simplifies lending across India by leveraging data science, technology, and a risk-first mindset. By modernizing credit workflows and focusing on customer needs, the company aims to make borrowing fast, simple, and hassle-free for individuals across the country.
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India
“With Google Workspace, InCred is building a new way to work by driving continuous improvement and unleashing the builder within.”
- Ashwin Sekar, Chief Product & Technology Officer, InCred Finance
Google Workspace Results
“Docs, Sheets, and Meet are the central backbone for how we collaborate. It makes us far more dynamic and aligned.” - Ashwin Sekar, Chief Product and Technology Officer, InCred Finance
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Accelerates alignment across product, engineering, and operations with real-time collaboration on
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Centralizes identity and zero infrastructure to simplify IT management with
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Speeds up analysis and decision-making across product, operations, and hiring with
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Builds confidence for cross-team collaboration with secure, encrypted sharing on
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Empowers every employee to shape workflows and drive continuous improvement with , , and
Building a secure, insight-driven foundation for modern lending
“Security is foundational for us. Once teams are sure their data is secure, they are more willing to share information and collaborate effectively.” - Ashwin Sekar, Chief Product and Technology Officer, InCred Finance
was founded with a clear belief: that access to credit in India should be simple, fast, and designed around the real needs of borrowers. As a new-age financial services group, the company blends data science, technology, and a sharp focus on customer experience to remove friction from the lending process. But to support this mission at scale, InCred needed a collaboration environment that was secure by default, easy to adopt, and powerful enough to support a rapidly growing workforce.
From its first day of operation, InCred built its internal workflows on . The decision was rooted in three principles that remain core to the organization today: strong security, seamless collaboration, and the ability to scale quickly without infrastructure overhead. "We have been using Google Workspace since day one," says Chief Product and Technology Officer, Ashwin Sekar. ", , and are the backbone of how we collaborate across the company."
With employees split across multiple cities and business functions, InCred Finance needed tools that reduced information asymmetry and helped teams converge on decisions faster. Google Workspace provided that shared surface, a common environment where ideas could be shaped, challenged, and refined before critical engineering resources were invested. This approach formed the heart of InCred's "risk-first" DNA, ensuring that every product idea was tested rigorously before moving into development.
A risk-first product culture powered by asynchronous teamwork
“With Google Workspace, InCred is building a new way to work by driving continuous improvement and unleashing the builder within.” - Ashwin Sekar, Chief Product and Technology Officer, InCred Finance
Collaboration at InCred is built around clarity and speed. Every new product concept, regulatory insight, or feature idea begins as a Google Doc. Teams across product, engineering, design, legal, and operations contribute asynchronously, adding comments, pressure-testing assumptions, and refining proposals. Only once the document is "fully locked and loaded", as Sekar describes it, does the concept move to the engineering stage.
This frees up scarce development bandwidth and reduces the risk of building features that do not serve customers or the business. When discussions need more depth, teams instantly escalate into a Google Meet call, continuing the conversation from the same shared document. All decisions, history, and rationale stay in one place.
Google Sheets plays a similarly critical role in coordinating operational processes. Whether analyzing Play Store reviews, preparing market reports, or sharing data from field teams, Sheets centralizes information so every stakeholder works from a single source of truth. Real-time updates reduce delays and enable teams to respond quickly to new insights.
"People critique ideas, challenge assumptions, and refine concepts in real time. It makes us far more dynamic and aligned," Sekar explains.
Security as the foundation for trusted collaboration
For a financial services organization, collaboration can only move as fast as security allows. At InCred, this is foundational. Employees must be sure that sensitive data is encrypted, access is controlled, and information remains within trusted boundaries.
When evaluating collaboration suites, security was the top priority. Google Workspace met InCred's requirements across:
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Data protection and encryption, at rest and in transit
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Centralized identity management powered by
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Natively built threat protection and DLP controls
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Context-aware access and information labeling for compliance
"Security is foundational for us," Sekar emphasizes. "Once teams are sure their data is secure, they are more willing to share information and collaborate effectively."
strengthens access control by ensuring only authorized, company-managed devices are used for work. With 2-step verification and automatic device enrollment, InCred maintains a secure environment across both desktops and mobile devices.
Simplifying IT operations with zero heavy lifting
InCred's IT philosophy centers on efficiency: the team focuses on problems unique to the business, rather than infrastructure management. Google Workspace supports this by eliminating entire categories of operational burden.
There are no email servers to patch, no on-prem hardware to maintain, and no upgrades to schedule. User provisioning is automated through HRMS integrations, reducing dependencies between IT and HR teams. Google SSO provides federated access across all enterprise apps — from HR and expense management systems to internal platforms.
"Zero server maintenance means our IT teams can focus on high-value work instead of undifferentiated heavy lifting," Sekar says. "Google Workspace simplifies identity, onboarding, and access in a way that just works."
and further extend this efficiency. Operations teams use these tools to automate repetitive tasks, streamline workflows, and build small utilities that previously required engineering support. This culture of self-service automation is a key part of InCred's transformation journey.
Accelerating insight with Google Workspace with Gemini
The introduction of has amplified InCred's ability to move faster and innovate with confidence. The company evaluated AI tools based on three key factors: data sovereignty, native integration, and adoption velocity.
Data sovereignty was non-negotiable. As a financial institution, InCred needed absolute assurance that customer data would not be used for model training. With Google Workspace with Gemini, that confidence is built into the platform.
Native integration was equally important. Because employees already rely on Docs, Sheets, and Meet, Gemini seamlessly integrates into daily work with a minimal learning curve. This drives high, organic adoption.
Gemini now powers a range of use cases across the organization:
Product & Market Analysis:
Teams use Gemini in Docs to analyze Play Store reviews, synthesize market trends, and interpret regulatory changes. This accelerates feature development and helps teams achieve alignment more quickly.
Operations Automation:
Using Gemini, the operations team developed a small utility that automatically collates multiple raw CSV files and converts them into finished reports, thereby transforming a manual, error-prone process into a streamlined workflow.
Hiring with :
Custom AI agents analyze interview transcripts and compare candidate strengths against InCred's values and culture, helping reduce bias and improve hiring decisions.
Data Science Acceleration in :
Sekar describes a personal "wow" moment: using Gemini within Colab to build an email classifier that bubbles up urgent messages for the operations team. "Having been a data scientist in my past life, this was easily a week's worth of work compressed into about half a day," he says.
Across all these use cases, the impact is consistent: faster insight, quicker alignment, and more responsive customer outcomes.
Empowering every employee to be a builder
Looking ahead, InCred sees Google Workspace and Gemini not just as tools, but as platforms that empower employees to shape their own workflows. The goal is simple: foster a culture where continuous improvement comes from every corner of the organization.
"With Google Workspace, we are empowering every employee to be a builder," Sekar shares. "We want people to use these tools to shape and automate their workflows and drive continuous improvement for themselves and for the company."
This vision is reshaping how teams work, make decisions, and support customers, all while maintaining the highest standards of security and trust.
"As we scale, we are building a new way to work," Sekar adds, "One that unleashes the builder within and helps us deliver better outcomes for customers across India."
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Nxtra by Airtel, a subsidiary of Bharti Airtel Limited, offers largest network of secure, scalable, and sustainable data centres in India to leading enterprises, hyperscalers, start-ups, SMEs and governments. Being associated with both data centre and telecom industry for more than 2 decades, we provide a platform of hyper connected state-of-the art core and edge data centres across 120+ locations. We enable businesses to accelerate their digital journey and host their applications closer to their customers than ever before.