Extensive market research on target customer, locations and competitors
Customer demographics, income profiles, economic activity, NPAs etc.
Competitor analysis to identify growth prospects, return on loan book etc
Branch Identification Strategy is crucial & evaluated using stringent parameters
Determine high growth regions via deep research
Focus on locations with good connectivity with road and trains and basic infrastructure
Select regions with a good proportion of semi urban locations and a healthy male to female ratio
Strong focus on agri income and availability of water resources
Evaluate the presence of sustainable business that will generate income for the people
Business & Geopolitical Environment
Community knowledge & repayment trends
Focus on regions with strong sense of repayment culture and awareness about CIBIL and High mark
Strong understanding of customer segments, property types, market potential and delinquency levels
Extensive study to understand the credit culture of the region, standard of living
Management Team
Arman Ilmi Promoter & CEO
Previous Org:
Habitat for Humanity, Niti Aayog, Capital 4 Development
Purushottam Parmar Sr. Finance Manager
Previous Org:
AKGVG & Associates Chartered Accountants
Diptiranjan Mohapatra Regional Credit Manager
Previous Org:
Roha Housing Finance Pvt Ltd
Aditya Narayan Mishra Sales Head-Kanpur
Previous Org:
HDB Financial Services
Gajendra Singh Sales Head –Agra
Previous Org:
Capital Trust Ltd
Sachin Malik Sales Head-Meerut
Previous Org:
Jana Small Financial Bank
Neha SharmaCompany Secretary
Previous Org:
Usha Financial Services Ltd.
Anshu SinghManager IT
Previous Org:
SAVE Financial Services Pvt Ltd
Noopur SinghSales and Collection Head
Previous Org:
Org. Annapurna Finance Pvt. Ltd
Hari Om KumarManager HR
Previous Org:
Ralt Infotech Pvt. Ltd.
Jay PrakashData Analyst
Previous Org: Cholamandalam Investment and Finance Company
Praveen SharmaManager Accounts
Previous Org:
Satin Creditcare Network Ltd.
Pankaj GuptaManager Accounts and Treasury
Previous Org:
Invenio Business Solutions Pvt. Ltd.
Pradeep MandalManager Operations
Previous Org:
Bajaj Finance