Fintech Forum #5: Unlocking Credit for Bharat
In this edition of Fintech Forum, discover how Sanjay Aggarwal, Co-founder of Moneyview, and Kunal Varma, Co-founder & CEO of Freo are driving credit penetration and narrowing the Bharat credit gap as we delve into the key aspects of lending: customer acquisition, underwriting, cost of capital, and collections, in conversation with Mayank Jain, Stellaris.
00:00 – 04:10: Moneyview’s journey of creating financial products for Bharat
04:11 – 08:10: Freo’s focus on credit line and flexibility
08:11 – 09:02: Mayank’s perspective on small-sized ticket loans
09:03 – 15:21: Economic challenges faced by banks in providing credit to this segment
15:22 – 22:28: Digital channels that’ve worked in customer acquisition
22:29 – 28:34: Does WoM effect play in the lending business?
28:35 – 33:08: Building underwriting models in a pure digital model
33:09 – 35:22: Assessing the intent of customer’s payback ability
35:23 – 38:42: Opportunities in the market – Credit-on-UPI & Generative AI
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