SKOCH Summit - Introduction to Namaste Credit June 2019 Leadership - PowerPoint PPT Presentation

SKOCH Summit - Introduction to Namaste Credit June 2019

Leadership Team LUCAS BIANCHI, CFA – CO-FOUNDER & DIRECTOR • Built and sold outsourcing firm CopalAmba to Moody’s for $500M • Analyzed and financed tech companies worth $1B+ • BA Economics, Dartmouth College GAURAV ANAND, CFA, FRM – CO-FOUNDER & DIRECTOR • Analyzed and priced several Billion USD portfolios at Credit Suisse, HSBC, GE Capital & Moody’s • MBA from NMIMS, Bombay KRISHNAN PARAMESWARAN – CTO • Lead high performance teams that built software products for GE, ThoughtWorks & MentorWare • Six Sigma Green Belt certified • BE Electronics & Communications, Bangalore

Introduction to NC Namaste Credit is a leading Indian fintech company focused on loans to SMEs. Founded in 2014, the company’s platform improves the entire loan process from application to underwriting. NC operates two business lines: ➢ Discovery: An SME-focused loan marketplace that originates and matches borrowers, financial advisors and institutional lenders across India ➢ iCAM Credit Assessment: A SAAS-based loan processing & underwriting platform that is licensed by lenders to automate their loan applications and document processing 3

NC Key Facts ➢ Supporting MSME Financing: 10,000+ small businesses engaged to date ➢ Aggregator with Scale: INR 100+ Cr. / month disbursed on discovery platform ➢ Broad Lender Engagement: 60 + of India’s leading FIs adopted NC for sourcing and underwriting ➢ Bank & NBFCs platform licencing: Process 5,000+ credit assessments / month for lender partners ➢ Creating Entrepreneurs: 7,000+ channel partners signed up across India 4

Our Core Values

Challenge & Solution - 1 • Challenge Data Not Available / Difficult to Access ✓ KYC, Banking, Bureau, ITR, PF, GST, Property, etc. ✓ Diverse systems that are not accessible Proposed • Democratize the data. Create Framework for User-controlled Regulatory consent-based access to all their data Solution ✓ Example: Open API Access to GST on User Consent

Challenge & Solution - 2 • Challenge Credit market severely challenged ✓ Liquidity crisis, Concentrated market is consolidating further, Heavy regulatory oversight ✓ Significant friction for new loans as well as balance transfers – Fees, processes, eligibilities • Proposed Create backstops & grease the wheels. Create a mechanism Regulatory to backstop creditworthy portfolios. Support lenders to Solution expand the base and increase competition ✓ No foreclosure fees on ALL loans

Challenge & Solution - 3 • Challenge Tax regime is too complex – especially for SMEs ✓ GST, TDS, ITR, PF, ESI, PT, etc … ✓ GST alone has added huge complexity and tax burden Proposed • Simplify the tax code and processes for complying Regulatory Solution ✓ GST should paid based on fund received, not invoices

Thank you for your time. Join us today! Email : inquiries@namastecredit.com Website : www.namastecredit.com Phone : 80808 09068 Corporate : # 5, Crimson Court, Office Ground Floor and First Floor, Jeevan Bima Nagar Main Road, Bengaluru, Karnataka, India 560075