Building a world where finance is for everyone

CreditBook launched in 2020 with the single aim to improve the financial outcomes of MSMEs across emerging markets. Starting with a bookkeeping app, the company impacted over 1 million MSMEs across 400 localities in Pakistan. CreditBook has since built a suite of financial solutions that empower underserved businesses to extend financing to their customers in a matter of hours.

CreditBook at its core

Our purpose is to enable businesses to grow to their full potential.

First fully licensed digital SME financing platform with over 2,000 financing instances

First fully licensed digital SME financing platform with over 2,000 financing instances

We have extended over 5,000 instances of funding on our platform with a 85% renewal rate. Our ledger application has over 1M touchpoints with MSMEs and a steady NPS of 4.8.
Remote first environment with a global team

Remote first environment with a global team

CreditBook has a global team that collaborates across 3 time-zones. We are driven by a deep commitment to curiosity, fast adaptation, constructive feedback and the belief that speed and quality are not tradeoffs.
Simple, white-labeled finance solution ready for integration

Simple, white-labeled finance solution ready for integration

We have built a robust infrastructure to provide a seamless embedded finance experience for our partners and their customers. We believe businesses should control their own product experience.

The team behind CreditBook

Hasib Malik

Hasib Malik

Cofounder & CEO
Hisham Adamjee

Hisham Adamjee

Cofounder & Head of Operations
Iman Jamall

Iman Jamall

Cofounder & Head of Design
Ammar Habib Khan

Ammar Habib Khan

CFO & CEO CreditBook Financial Services
Zain Umar

Zain Umar

Head of Ops at CreditBook Financial Services
Glenn Vanbavinckhove

Glenn Vanbavinckhove

Head of Engineering
Matteo Borgato

Matteo Borgato

Head of Data
Ali Mehdi

Ali Mehdi

Product Lead
Ashfa Bashir

Ashfa Bashir

Head of People
Only licensed digital lending company for SME financing in the country
License No. SECP/LRD/86/CBFSPL/2022-103
You can file your queries and complaints online at https://sdms.secp.gov.pk/
SCEP

Join us and shape the financial services of tomorrow.

Our DNA is all about enabling people and businesses to reach their full potential. We are defined by impact. At CreditBook, you will be an impactful decision maker with the agency to shape the future of financial services.
Team