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Explore a unique algorithm-based lending model covering 360-degree customer profiles, cross-selling opportunities, and the impact of changing customer behavior on a small, growing, and profitable business. Delve into the role of technology in credit evaluation, market tie-ups, and the potential for market cap growth with expert insights presented by Sanjay Kumar Sharma.
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Capital First Presented by - Sanjay Kumar Sharma
Business Tenets Presented by - Sanjay Kumar Sharma
Management Tenets Presented by - Sanjay Kumar Sharma
Financial Tenets Presented by - Sanjay Kumar Sharma
MootPoints Unique algorithm based lending model covering 360 Degree customer profile beyond credit profile. Cross selling opportunities ? – comparisons with Bajaj Finance justified? Is Management with stock options always good? Changing customer behavior is both an opportunity and challenge for the company. Role of technology is becoming increasingly important in Credit evaluation and delivery. Every 30% replacement of bank loan by NCD (100 bps cheaper) will increase ROE by 1.5 %. Value of Tie-ups with large stores for CD & Amazon for online ? Option of Banking license ? – Pros & cons To summarize – small, growing & profitable business, run by competent management and appropriately prices by markets. Can it be a candidate for the “mid to mega cap” during next decade? Presented by - Sanjay Kumar Sharma
Reference Slides Presented by - Sanjay Kumar Sharma
Market Tenets Presented by - Sanjay Kumar Sharma