InCred: Balancing agility, AI, and risk in the fintech ecosystem

In India’s fast-evolving fintech landscape, innovation often races ahead of regulation — and security must sprint to keep up. For Ashwin Sekar, Chief Product & Technology Officer at InCred, the goal isn’t to slow that momentum but to build the right frameworks that make rapid, secure innovation sustainable.

“Secure innovation is not about restricting creativity,” Sekar explains. “It’s about designing strong frameworks and multiple protective layers. Once those guardrails are in place, people can innovate freely without breaking the system. If we rely only on people’s good intentions, we can’t scale. But with the right structure, we can grow fast and stay hungry for innovation — securely.”

From agility to assurance: A framework built on six golden signals

InCred’s approach to cybersecurity and product velocity rests on what Sekar calls six golden signals — the measurable, real-time indicators that govern its information security posture ...