2. Rajat Yadav
Founder/CEO
Operations Team
ORGANIZATIONAL CHART
Tech Team
Jazaib Almas Shubham Ankit Gokul Astha
Social Media
Manager
Bharat Chadha
Ex-Global Head, Banking and CDD Business Service, HSBC
Director, Amazon – Customer Service Operations
Vikram Bose
Global Head, Financial Crime
Compliance Operations, HSBC
Advisor Advisor
Future Hires Future Hires
IIT Madras Alumnus, Ex-Geotagg(Acquired by Ola)
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3. Current Loan Process – Banks & P2P Companies
No Physical
Documents
02
• Manual screening of applicants
Time Consuming
Prone to human judgmental error & non-uniformity
• Tons of paperwork & physical verification.
• Salary and CIBIL as the only criteria for judgement – Not smart!
• Hight default rates – especially for banks
• Loan disbursal time: 10-30 days
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4. Z2P Lending Concept
• A technology based lending company
• 5-minute digital loan application (mobile app & web)
No physical paperwork
No physical verification
• 15-minute: Loan disbursal time
• Only 10% manual intervention, 90% tech & algorithm based process
No human-judgment errors
Much faster than manual screening
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5. 15-min Loan Disbursal Time
• Step-1 ) Fill the required details in the Z2P mobile app
(5min)
• Step-2) System evaluates the application and returns response to the user with a loan limit
(5 min)
• Step-3) The approved loan request is then forwarded to our registered lenders
• Step-4) The lenders can then pay the user via the app itself
(5min)
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6. 0.18% Default Rate
• Very strict & smart loan-approval criterions
• A robust loan recovery mechanism – based on social recovery
• Automated smart reminders for loan repayments over mobile and email
• Complete mapping of the social circle of the borrower to carry effective recovery in case of
defaults
• Artificial-Intelligence Core to optimise recovery
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7. Key Differentiators
1. Technology & automation based lending: Fast & cost-efficient
2. Smart loan approval criterions: Controls default rate
3. Large lender network: Reduces dependency on certain lenders
4. Automated loan recovery: Controls default rate
5. Artificial Intelligence Core: Globally Scalable, Controls Default, Faster Service
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8. P2P Lending Market
- Loans Issued (2016): USD 100Million
- Loans Issued by 2022: USD 5Billion
- P2P Lending Companies: 30
INDIA
- Loans Issued: USD 4 Billion
- By 2025: USD 150 Billion
UNITED STATES
- Market Size: USD 400 Billion
CHINA
- Present Indian Market only 2.5% of US Market. 100 times less companies compared to China.
- 50x Growth in the Indian Market over the next 4 years
- P2P Lending Companies: 3000
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9. Z2P Vs Competition
Z2P
CASHe
Vote 4 Cash
/ ATL
Loan Disbursal Time
Process Automation(%)
1-3 hours 3-30 days 1-4 days 2-8 days
80% 20% 25% 10%
Team Size 7 100+ 50+ 50+
Lenders on Platform 200+ ~100 N.A. 150
Google Customer Ratings 4.4 3.1 4.1 3.2
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10. Growth Statistics
Started Operations: 14th Feb 2017
(As on 30th October 2017)
Loans disbursed (INR) USD 540,000
Number of loans disbursed 5551
Default rate 0.18%
Revenue USD 6000 - 7000 per month
Profit USD 1500 - 3000 per month
- 30% month-on-month growth
- 25% month-on-month growth
- Profitable from the
3rd operational month.
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Number of active lenders 200+
Monthly User Retention 90%
12. Fund Raise
NBFC Reserve Maintenance (Will
not be used for operational purposes, zero risk)
USD 306,000
Hiring USD 153,000
Tech Development USD 77,000
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Raising: USD 536,000
Pre-money Valuation: USD 2,143,000 (Open to 3rd party valuation checking)
Dilution: 20%
Fund Usage
(Open to Equity/Debt Funding)
The major reason for fundraise is to satisfy the NBFC conversion criteria of maintaining a
reserve amount of USD 306,000 at all times.
13. Summary
- Scaling on the backbone of – Technology, Automation & AI. Improves cost efficiency and growth
- A larger lender base compared to platforms 10x our size. Thus, avoiding dependencies on just a few lenders
- Industry Veterans as Investors/Mentors/Advisors
- Focus on profitability from Day – 1
- A team that is together from Day-1
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