Modern lending In India, with Praveen Sinha and Amit Pandey (Pincap)
How to Lend Money to Strangers
Brendan le Grange
4.9 • 43 Ratings
🗓️ 28 October 2021
⏱️ 32 minutes
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Summary
Powered by a growing middle class and a more connected rural population, the Indian consumer credit economy is carrying a lot of momentum, as is the market for MSME loans. And where most fast-growing markets are small, this is obviously not the case with India, where 1.4 billion people and nearly 50 million SMEs live.
Add to that, a history of digitalisation and innovation and it’s market you really shouldn’t ignore. Albeit, until now, I largely have, barring a couple of years where I had a passing oversight of some loan portfolios there.
So, to get me up to speed, I speak to Praveen Sinha, serial entrepreneur and co-founder of PinCap, and Amit Pandey, CEO of PinCap.
We spoke broadly about fintech in India, about alternative data for consumer and MSME loans, and about super-charged growth segments.
You can also find out more about me on my LinkedIn page, here
If you have any feedback, questions, or if you would like to participate in the show, please feel free to reach out to me at brendan@howtolendmoneytostrangers.show
A full written transcript with timestamps can be found on HowtoLendMoneytoStrangers.Show
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Transcript
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| 0:00.0 | So once you have been in a flight which has learned at a certain speed, you won't enjoy your ride |
| 0:06.8 | if it has at lower speeds. So this background I would say Fintech also has a very very huge potential |
| 0:16.0 | of growth. |
| 0:40.0 | Welcome back to How to Learn Money to Strangers. The podcast about lending strategies around the world |
| 0:48.0 | and across the credit life cycle. I'm your host Brendan Lagrange and in 2007 an MBA project of mine |
| 0:55.2 | won me a trip to San Francisco to pitch at a social entrepreneurship competition that was |
| 1:00.0 | been held by the University of California Berkeley. I didn't win but I did meet Provincina, |
| 1:06.4 | one of today's guests. I don't think Provin won either to be honest but judging on his career |
| 1:11.7 | since then he probably should have. Provin went on to be a serial entrepreneur with success as in |
| 1:17.2 | multiple industries ranging from online fashion retail to Pincap, his latest venture in finance |
| 1:23.1 | and the reason we're here today. We have the added pleasure of being joined by the CEO of Pincap, |
| 1:28.4 | Mr. Amit Pandy. Amit, Provin and I speak about the state of Fintech in India and the state of |
| 1:34.5 | consumer credit in general looking at how Pincap is bringing access to credit to small business owners |
| 1:40.0 | and individuals both directly and via partners who may otherwise have been left out of the financial system. |
| 1:53.9 | I met Provin, Pincap we're going to talk about the business model in detail later on |
| 2:00.4 | but maybe if you could both start by introducing yourselves to your background that brought you to |
| 2:06.5 | EAR today and maybe a little bit of context for Pincap. Thank you for inviting us, Brendan and it |
| 2:13.0 | has been long that we interacted. It's a good opportunity at both the levels. I'll quickly give you |
| 2:20.0 | my background. So I'm an engineering by qualification. I have worked with automotive company and I also |
| 2:27.0 | worked in a tech company, Microsoft and I did my MBA and joined McKenzie. However, my long-term |
| 2:33.4 | dream was always to start my own and I jumped in with my first venture which was into IoT and AI |
| 2:40.4 | enabled water management system. So that was my first venture and then I started an e-commerce |
... |
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