Perfios elevates Vinay Sathyanarayan to lead Credit Nirvana

By Milan Rojan

Perfios.ai has appointed Vinay Sathyanarayan as Chief Executive Officer of Credit Nirvana, its debt management and collections subsidiary, as the company has looked to accelerate the next phase of its AI-native collections strategy.

Vinay Sathyanarayan has previously served as Chief Product Officer for International and Subsidiaries at Perfios, and has now taken charge of Credit Nirvana’s strategic direction and growth. The appointment has reflected Perfios’ wider approach of building entrepreneurial businesses within its ecosystem while allowing subsidiaries to scale with greater autonomy and sharper market focus.

Nitin Chugh, MD and Group CEO at Perfios, said, “As collections infrastructure evolves towards AI-native and autonomous operations, Credit Nirvana is uniquely positioned to lead that transformation. Vinay’s understanding of BFSI workflows and platform-scale engineering makes him the right leader to drive the next phase of growth.”

Credit Nirvana has positioned itself as an AI-powered debt management and collections platform for the financial services sector. Perfios has said the leadership transition has come as collections infrastructure has continued to evolve towards AI-native and autonomous operating models, with the subsidiary set to play a larger role in that shift.

Vinay Sathyanarayan has brought nearly two decades of experience in designing and scaling financial services technology solutions. His work has also supported Perfios’ Open Finance Ecosystem, which has formed part of the company’s digital financial infrastructure offering across markets.

Vinay Sathyanarayan, CEO of Credit Nirvana, said, “Credit Nirvana has built a strong foundation in AI-led collections. Collections is rapidly evolving towards agentic and autonomous workflows, and I look forward to helping redefine how modern collections infrastructure is built.”

The appointment has underscored Perfios’ continued push into AI-led financial infrastructure and its efforts to strengthen subsidiary-led growth across the BFSI landscape.