CreditOn Lending platform overview

1. A next-generation
platform for retail & SME
lending

2. Founded 2012, 90
employees
Based in Gurgaon,
Mumbai & Jaipur
Gross Credit Disbursed -
INR 22,000 cr (USD 3 bn+)
to date:
- INR 1,650 cr FY 2014-
15
- INR 7,200 cr FY 2015-
16
- INR 70,000 cr FY
2020*
KEY FACTS
• Founded in 2012, Rupeepower is today a leading credit origination
platform company in India
• Our Product:
• Rupeepower’s credit-tech platform CreditOn for consumer &
SME loan origination (Omni-channel acquisition, Instant
decisioning, Digital KYC, Credit assessment, Loan CRM &
LOS), is being used by some of the leading banks & NBFCs in
India
• Performance: INR 22,000 cr (USD 3bn+) of consumer credit disbursed to
date by lenders using (predominantly SaaS) platform
Leader in consumer & SME lending technology

3. Our Partners 01CreditOn – Our Trusted Partners
Shortlisted in Abu Dhabi
global Market Reglabs as a
digital lending platform
partner under SME lending
45 product
implementations
under Retail &
SME lending

4. Lending Fintech
Digital Credit
01
Maximum
Efficiency
Better Quality
Decisions
Quicker
TAT
• Drive all channels to efficiency by digital
means
• Aadhaar integration, existing customer
pre-population for minimum manual data
entry
• KYC & Fraud box to speed up the sanction
process
• E-sign for paperless process not requiring
customer’s wet signature
• Instant bureau pull & in-principle
approvals, as data is enhanced
• API integration with NSDL, Hunter etc
for additional checks
• System driven application scorecard
execution
• Configurable business rule engine
• Automated CAM data population
• Green channel for instant loan
approval & disbursal
• Split screen view to match form
data with docs for faster processing
• Waiver of FI checks based on
bureau & app score
• SLA based tracking & escalation of
cases unattended
CreditOn – USP

5. Customers
Salaried Customers | Self-employed Professionals | Self-employed Businessmen
Online Customer Tele callersSalesBranches Digital Connectors
RupeePower Lending Platform / Stack
LENDER’S CORE SYSTEMS
Credit disbursed
Credit Cards
Personal Loans
2W Loans
4W Loans
Home Loans
Credit Bureaus
India Stack
ROC, NSDL
Pre-qualified base
01 One platform: Multiple channelsOmni channel Experience
One platform: Multiple channels

6. SCREEN OFFER APPLY AIP1 DOCS & KYC
DDE &
AIP2
UNDERWRIT
ING
Online
Customer
Agents
Sales
Tele -
Sales
Digital
Connectors
1 2 3 4
1
321
1 2
1
2
4
CONNECTOR API
Eligibility Engine Approval in Principle
3
Sales App
& KYC
LOS
54
5
2 43
5 76
Omni channel Experience
One platform: Multiple flows

7. 01
CREDIT BUREAU
• CIBIL, Experian, Equifax,
Hi-Mark
LENDINGAPI
ID & FRAUD
• Hunter, NSDL, cKYC
• Probe42, Perfios
• E-KYC & E-Sign
OTHER SYSTEMS
• Nucleus Finnone LOS
• Finnacle CBS
• BANCS CBS
• OmniDocs
• CRMNext
• Asterix dialer
Outbound(consumed) Inbound(exposed)
FOR DIGITAL AGGREGATORS
• Connector – Instant decision
• Connector – Detailed Data Entry
• Connector – Docs Upload
• Connector – E-sign
FOR LEAD GENERATORS
• DSA/DST lead push
• Digital campaigns
• Offline leads upload
KYC BOX
• Email & WhoIs verification
• Address match
• Bank statement parsing
• MCA
API Driven Lending
Plug and play integrations

8. Lending Platform
Products supported
01
The Rupeepower product stack caters to a whole range of retail & SME loans
Gold Loan
Credit Card 2W Loan Auto Loan
Home Loan LAPEducation Loan
Personal Loan
SME Loan
One platform : Multiple products

9. Despite these phenomenal numbers, SME till date are facing the biggest challenge of availability
of formal financing . According to a recent report, only about 5 million out of 51 million SMEs
have access to formal finance.
51 million + SMEs and
growing
37% of the non-
agricultural GDP
Employing 40% of the
workforce
SME Lending Landscape

10. Piles of documentation
makes it difficult to
manually pull out
relevant data for
underwriting.
Friction in the current
KYC Process leads to
higher TAT.
Document processing and
multiple signing stages
lengthens disbursal dates.
Credit assessment of
SMEs is unstructured,
time consuming &
opaque, leading to poor
credit decisions.
Unavailability of data,
fragmented data and
incomplete coverage of
MSMEs is another
important bottleneck for
underwriting
Inability to ascertain
authenticity of data by
cross-validation across
multiple sources fails to
check fraud.
Problems we solve

11. 1. AI-first Digital KYC box, enabling super-fast KYC by
 Collating customer data from multiple public sources
 Parsing identity and address proof documents
 Auto-matching identity and address details across data sources
 App for digitizing traditional KYC processes of the lender
2. Omni-Channel customer acquisition & loan disbursal platform:
 lender sales & agent channel
 borrower PoS and eComm using borrower’s transaction data
 loan marketplaces connecting to lender using CreditOn instant decision
webservice API
 traditional lender branches and RM
3. Instant SME Credit Decisioning Engine using traditional
 bureau, banking, enterprise financial data and
 alternate (transaction, invoices) data
4. Underwriting Platform for higher ticket SME loans enabling underwriters to
arrive at optimal decisions by marrying new-age data representation with
traditional credit underwriting practices.
How CreditOn
product stack
empowers traditional
lenders and fintech
originators to
collaborate &
reimagine SME
lending criteria and
flows.

12. Soft Approval
Eligibility &
Pricing
Business Rule
Engine
Risk Scorecard
Process
Waiver
Credit
Decision
Acquisition
Data
Enrichment
ID verification
Work Flow
Intelligence
Imputed
Variables
AgentsBranchSelf - Service
Bureau Financials
Customer
De-dupe
Banking
Collateral
Valuation
Fraud
Database
National ID
check
OCR Parsing
Document
upload
Email Check
Facial
Recognition
Address
Match
A
P
I
UnderwritingVerificationsSales CRM
Portfolio
quality
TAT &
Escalations
Sales
performance
Sales StaffAssistedMarketplace
DisbursalOperations
Deviation
handling
CreditOn Tech stack

13. SMELendingFlowendingFlow

14. 01
77,330
21,740
3,310
3,100
45
cr
110,830
34,130
6,370
6,100
164 cr
Omni-channel acquisition
enables increasing top of
the funnel by over 40%
Applications &
AIP
Documents uploaded
Underwriting
Loan Sanctioned
AFTER RUPEEPOWERBEFORE RUPEEPOWER
Poor Engagement
High loss to competition
High TAT, Delays
Manual Approval & Rejection
Benefits to Lenders
Higher Productivity
Better quality, higher productivity
Automated Credit Decision
Instant Soft Approval (AIP)
Assisted calling, customer engagement
Enquires
Increased customer
engagement leads to higher
conversions
e-kyc, e-sign, docs upload
online => more quality apps
moving to credit
Instant soft approval
reduced customers lost to
competition
Quality + automated AIP =>
higher underwriting
productivity & multifold
increase in disbursals
Benefits to lenders : Sample Case Study On CreditOn
implementation

15. Thank You
For further information, contact Rahul.Singh@rupeepower.com, Ankur.Bhalla@rupeepower.com, mandar.kagade@rupeepower.com