Olly Business Deck for investors

1. ceo@getolly.comDIGITAL CREDIT APP
DIGITAL CREDIT APP

2. ceo@getolly.comDIGITAL CREDIT APP
A digital credit app for India’s
working masses
Olly is a mobile first credit app for millennials &
shared economy workers with a dynamic credit limit
around AI-based underwriting

3. ceo@getolly.comDIGITAL CREDIT APP
ONLY 7%of India’s middle class have
credit cards:
a) Bank’s focus on the creamy layer
b) Millennials don’t have a credit score
Source: consumer credit report for 2016
c) They are app users & hate bureaucracy

4. ceo@getolly.comDIGITAL CREDIT APP
90Million
potential market for Credit
Cards in India by 2020
a) 24.5 Million credit cards Vs 661.8 million debit cards
b) Only 16 Million credit card users
Source: consumer credit report for 2016

5. ceo@getolly.comDIGITAL CREDIT APP
Opportunity
The 21 – 34 age group
Low on default/ High LTV
48.8 Million
SMBs + Shared economy
workers
OLA = 6,00,000 Drivers
Delhivery = 40,000 delivery workers

6. ceo@getolly.comDIGITAL CREDIT APP
Get credit in 180 seconds
1. Download the app
2. Share minimal details
3. Validate email and phone number

7. ceo@getolly.comDIGITAL CREDIT APP
CIBIL SCOREREPAYMENTS
16
100% IN TIME
TRANSACTIONS
240

8. ceo@getolly.comDIGITAL CREDIT APP
Risk assessment:
Olly AI
Geo
tracking
Workplace
rating
Career
Progression
Institutional Underwriting + Track Behaviour Patterns

9. ceo@getolly.comDIGITAL CREDIT APP
Keep sharing & increase
credit limit
KYC’s

10. ceo@getolly.comDIGITAL CREDIT APP
Lender dashboard:
Transactional data User data

11. ceo@getolly.comDIGITAL CREDIT APP
Compliance Ready
+
Lender Processor

12. ceo@getolly.comDIGITAL CREDIT APP
Traction
Revenues
Successful Pilots
CEO’s
Radi
Walla
MBA
Std
MBA
Std

13. ceo@getolly.comDIGITAL CREDIT APP
Olly’s Business Model
1. Revenue share with lender
2. Dashboard subscription
Also, we share the risk

14. ceo@getolly.comDIGITAL CREDIT APP
Competitive landscape and
competitive advantage
Startup VS Incumbent

15. ceo@getolly.comDIGITAL CREDIT APP
Team
Ashwin
Product |
Tech | Business
Ringaile
Product | Design
Abdulaziz
Software
Development
Tony
Software
Development
Momen
Software
Development

16. ceo@getolly.comDIGITAL CREDIT APP
Financials
INR Lakhs. FY 18 FY 19 FY 20
Interest Income 23 1,275 30,963
Subscription Income 10 588 14,469
Transaction Fee 8 941 23,150
Total Revenue 41 2,803 58,583
Total Expenses 221 896 10,361
Net Margin (180) 1,907 58,222
Net Margin % NM 68% 84%

17. ceo@getolly.comDIGITAL CREDIT APP
Scale up plan
1. Get to 10K Users
2. Establish systems & processes
3. Adoption by diverse user groups
4. Establish strategic tie-ups

18. ceo@getolly.comDIGITAL CREDIT APP
B2B2C Sales
Process
OLLY TEAM
SMB
EMPLOYEE
DATA
EMAILS TO
EMPLOYEES

19. ceo@getolly.comDIGITAL CREDIT APP
Previous raise
Rs.62L
Founders
Rs. 38 L from Startup Chile / angel investor
& Rs. 25 L founder's contribution

20. ceo@getolly.comDIGITAL CREDIT APP
Existing raise
Rs.2.4CR
Rs. 70 L committed from Jaarvis / other angels

21. ceo@getolly.comDIGITAL CREDIT APP
Risks, Challenges and
Mitigation
Risks and challenges Mitigation
Default of Repayment Technology / Systems and processes
Competition from established players Core strenghts + Strategic Tie-uos
Regulatory Challenges Favourable environment
Raising Capital Continous fund raising process

22. ceo@getolly.comDIGITAL CREDIT APP
Awards and Recognition

23. ceo@getolly.comDIGITAL CREDIT APP
DIGITAL CREDIT CARD APP
“Ask us for a demo”