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เนื้อหาจัดทำโดย TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran and TRANSFIN. Podcasts เนื้อหาพอดแคสต์ทั้งหมด รวมถึงตอน กราฟิก และคำอธิบายพอดแคสต์ได้รับการอัปโหลดและจัดหาให้โดยตรงจาก TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran and TRANSFIN. Podcasts หรือพันธมิตรแพลตฟอร์มพอดแคสต์ของพวกเขา หากคุณเชื่อว่ามีบุคคลอื่นใช้งานที่มีลิขสิทธิ์ของคุณโดยไม่ได้รับอนุญาต คุณสามารถปฏิบัติตามขั้นตอนที่แสดงไว้ที่นี่ https://th.player.fm/legal
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We made it— 300 episodes of This Is Woman’s Work ! And we’re marking this milestone by giving you something that could seriously change the game in your business or career: the skill of pitching yourself effectively. Whether you’re dreaming of being a podcast guest, landing a speaking gig, signing a client, or just asking for what you want with confidence—you’re already pitching yourself, every day. But are you doing it well? In this milestone episode, Nicole breaks down exactly how to pitch yourself to be a podcast guest … and actually hear “yes.” With hundreds of pitches landing in her inbox each month, she shares what makes a guest stand out (or get deleted), the biggest mistakes people make, and why podcast guesting is still one of the most powerful ways to grow your reach, authority, and influence. In This Episode, We Cover: ✅ Why we all need to pitch ourselves—and how to do it without feeling gross ✅ The step-by-step process for landing guest spots on podcasts (and more) ✅ A breakdown of the 3 podcast levels: Practice, Peer, and A-List—and how to approach each ✅ The must-haves of a successful podcast pitch (including real examples) ✅ How to craft a pitch that gets read, gets remembered, and gets results Whether you’re new to pitching or want to level up your game, this episode gives you the exact strategy Nicole and her team use to land guest spots on dozens of podcasts every year. Because your voice deserves to be heard. And the world needs what only you can bring. 🎁 Get the FREE Podcast Pitch Checklist + Additional Information on your Practice Group, Peer Group, and A-List Group Strategies: https://nicolekalil.com/podcast 📥 Download The Podcast Pitch Checklist Here Related Podcast Episodes: Shameless and Strategic: How to Brag About Yourself with Tiffany Houser | 298 How To Write & Publish A Book with Michelle Savage | 279 How To Land Your TED Talk and Skyrocket Your Personal Brand with Ashley Stahl | 250 Share the Love: If you found this episode insightful, please share it with a friend, tag us on social media, and leave a review on your favorite podcast platform! 🔗 Subscribe & Review: Apple Podcasts | Spotify | Amazon Music…
S6 Ep141: Enabling Smarter Safer Transactions with Subhrangshu K Neogi of Escrowpay
Manage episode 380431735 series 2436348
เนื้อหาจัดทำโดย TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran and TRANSFIN. Podcasts เนื้อหาพอดแคสต์ทั้งหมด รวมถึงตอน กราฟิก และคำอธิบายพอดแคสต์ได้รับการอัปโหลดและจัดหาให้โดยตรงจาก TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran and TRANSFIN. Podcasts หรือพันธมิตรแพลตฟอร์มพอดแคสต์ของพวกเขา หากคุณเชื่อว่ามีบุคคลอื่นใช้งานที่มีลิขสิทธิ์ของคุณโดยไม่ได้รับอนุญาต คุณสามารถปฏิบัติตามขั้นตอนที่แสดงไว้ที่นี่ https://th.player.fm/legal
We spoke with Subhrangshu Kumar Neogi Co-founder of Escrowpay, a pioneer in digital escrow solutions enabling smarter, faster and safer transactions for businesses.
Escrowpay is a trailblazer in the world of B2B escrow solutions, by digitizing a predominantly non-linear escrow mechanism involving multiple stakeholders including legacy regulated financial institutions, into an integrated single window platform.
Escrowpay's stack includes secure banking infrastructure, trusteeship services, instant identity verification, digital contracts with e-sign capabilities, payment gateway services, integration with various payment methods, digital ledgers, real-time reporting, and seamless transaction processing and management. Their platform caters to a wide range of industries and use cases, making it easy to establish digital escrow accounts in a matter of minutes.
Through this chat with Subhrangshu, we discover the typical pain-points faced by MSMEs and how tech-enabled solutions like Escrowpay could go a long way in overcoming transaction inertia and unlocking growth.
Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran, where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other.
The objective is to bring out an "actionable" perspective converging the world of business and investing.
If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in
Escrowpay is a trailblazer in the world of B2B escrow solutions, by digitizing a predominantly non-linear escrow mechanism involving multiple stakeholders including legacy regulated financial institutions, into an integrated single window platform.
Escrowpay's stack includes secure banking infrastructure, trusteeship services, instant identity verification, digital contracts with e-sign capabilities, payment gateway services, integration with various payment methods, digital ledgers, real-time reporting, and seamless transaction processing and management. Their platform caters to a wide range of industries and use cases, making it easy to establish digital escrow accounts in a matter of minutes.
Through this chat with Subhrangshu, we discover the typical pain-points faced by MSMEs and how tech-enabled solutions like Escrowpay could go a long way in overcoming transaction inertia and unlocking growth.
Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran, where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other.
The objective is to bring out an "actionable" perspective converging the world of business and investing.
If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in
158 ตอน
Manage episode 380431735 series 2436348
เนื้อหาจัดทำโดย TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran and TRANSFIN. Podcasts เนื้อหาพอดแคสต์ทั้งหมด รวมถึงตอน กราฟิก และคำอธิบายพอดแคสต์ได้รับการอัปโหลดและจัดหาให้โดยตรงจาก TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran and TRANSFIN. Podcasts หรือพันธมิตรแพลตฟอร์มพอดแคสต์ของพวกเขา หากคุณเชื่อว่ามีบุคคลอื่นใช้งานที่มีลิขสิทธิ์ของคุณโดยไม่ได้รับอนุญาต คุณสามารถปฏิบัติตามขั้นตอนที่แสดงไว้ที่นี่ https://th.player.fm/legal
We spoke with Subhrangshu Kumar Neogi Co-founder of Escrowpay, a pioneer in digital escrow solutions enabling smarter, faster and safer transactions for businesses.
Escrowpay is a trailblazer in the world of B2B escrow solutions, by digitizing a predominantly non-linear escrow mechanism involving multiple stakeholders including legacy regulated financial institutions, into an integrated single window platform.
Escrowpay's stack includes secure banking infrastructure, trusteeship services, instant identity verification, digital contracts with e-sign capabilities, payment gateway services, integration with various payment methods, digital ledgers, real-time reporting, and seamless transaction processing and management. Their platform caters to a wide range of industries and use cases, making it easy to establish digital escrow accounts in a matter of minutes.
Through this chat with Subhrangshu, we discover the typical pain-points faced by MSMEs and how tech-enabled solutions like Escrowpay could go a long way in overcoming transaction inertia and unlocking growth.
Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran, where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other.
The objective is to bring out an "actionable" perspective converging the world of business and investing.
If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in
Escrowpay is a trailblazer in the world of B2B escrow solutions, by digitizing a predominantly non-linear escrow mechanism involving multiple stakeholders including legacy regulated financial institutions, into an integrated single window platform.
Escrowpay's stack includes secure banking infrastructure, trusteeship services, instant identity verification, digital contracts with e-sign capabilities, payment gateway services, integration with various payment methods, digital ledgers, real-time reporting, and seamless transaction processing and management. Their platform caters to a wide range of industries and use cases, making it easy to establish digital escrow accounts in a matter of minutes.
Through this chat with Subhrangshu, we discover the typical pain-points faced by MSMEs and how tech-enabled solutions like Escrowpay could go a long way in overcoming transaction inertia and unlocking growth.
Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran, where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other.
The objective is to bring out an "actionable" perspective converging the world of business and investing.
If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in
158 ตอน
ทุกตอน
×In this episode, we sit down with Swati Bhargava , co-founder of CashKaro , India’s largest cashback website with over 20+ million downloads and EarnKaro , India’s no. 1 deal distribution platform. Swati walks us through the innovative business models and strategies that have positioned these platforms at the forefront of India's cashback and affiliate marketing ecosystem: Personal Journey: Origin story starting from her childhood in Ambala, higher education in Singapore and London, followed by her stint as an investment banker to creating a cashback business in the UK and then building India’s first VC funded cashback website raising over $30m from reputable names such as Affle, Korea Investment Partners, Kalaari etc. Model Unpacked: Swati provides an in-depth look at how CashKaro and EarnKaro operate, detailing their unique approaches to cashback and affiliate marketing by onboarding lucrative categories and e-commerce platforms/brands to empower Indian internet users save more money while shopping online Hustle of Category Creation: Hacks to approach category creation, role of customer education, and the importance of recognizing and engaging with champion users Changing Dynamic of Internet Shopping: Perspectives on the broader e-commerce and cashback ecosystem in India, discussing demographic trends, shift of wallet shares from Tier 1 to Tier 2/3/4 cities, role of social media in shopping choices, and opportunities for growth Future Aspirations: What’s next for CashKaro and EarnKaro as Swati outlines her vision for scaling these platforms while maintaining customer engagement Join us for an enlightening conversation that not only highlights Swati's entrepreneurial journey but also offers valuable insights into the future of online shopping in India! Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
Join us for an insightful conversation with Anish Srikrishna , CEO of TimesPro , an education initiative by The Times Group which aims to revolutionize professional education in India. TimesPro serves as a Higher Education Technology (H.EdTech) platform , offering a wide range of courses and training programs across various sectors, including Post Graduate Programs (PGPs), Master's degrees, and specialized training in finance, banking, e-commerce, technology, and more. TimesPro has a tech enabled educational offering encompassing both classroom and online/live interactive learning, including collaborations with prestigious institutions such as IIMs, IITs, XLRI, and Ivy League universities, as well as building customized learning solutions for businesses to empower talent and drive business transformation. Over the past three years, the company has achieved an impressive 75% CAGR in net revenues, surpassing ₹850 crore in revenue for FY24 . TimesPro anticipates a 5X growth in the next three years, highlighting its robust business model and commitment to democratizing access to quality education and skills through technology. Whether you're an educator, a student, or simply curious about the EdTech industry, this conversation promises to be both enlightening and inspiring. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
We spoke with Winny Patro , CEO & Co-founder of Recordent , a pioneering SaaS-based platform aiming to tackle the significant issue of unpaid dues that MSMEs encounter, which is estimated to be around INR5L cr across the sector. Recordent provides a technology platform designed to help SMEs manage their credit and collections more effectively. The company offers a suite of services that includes: Payment Reminder Automation : Automating reminders for payments to ensure timely collections. Invoice Management : Streamlining the invoicing process to reduce delays in payments. Credit Registry Reporting : Similar to a CIBIL report, it allows businesses to report defaults and track credit history. Collections Analytics : Providing insights to make informed decisions regarding collections and credit risk management. Recordent has made significant strides in helping SMEs improve their cash flow and reduce collection cycles. For instance, manufacturers using the platform have reportedly reduced their collection cycles by 40 days and converted a substantial portion of previously non-paying customers into paying ones. The company has effectively facilitated the resolution of outstanding dues for SME/MSME entities, enabling the clearance of INR4699 cr out of a total of INR5657 cr. With over 8.75L+ customer dues submitted on the platform, Recordent caters to the likes of Furlenco, Guarented, Bigsams, Udaan, RateGain and many others. Hope you enjoy this TRANSFIN . Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
We spoke with Manikanth Challa , Founder & CEO of Workruit , an AI/ML assisted career and recruitment platform catering to the B2B, B2C and B2G segments. Offering a suite of solutions like an i) AI-assisted Resume, CV, and Cover Letter Builder with a ii) Job Search and Matching Play, Workruit has built an interactive dating app-like interface where employers/recruiters and job seekers can match with each other. Manikanth speaks about his personal journey from the US to India, throwing light on how he struggled to find developers and engineers in 2016 via traditional solutions out there. This pushed him to combine his prior product learnings from online dating and fintech industries to create an end-to-end career development platform like Workruit. Workruit has generated more than 2M+ resumes and has 25M+ industry specific templates. They have raised over $500,000 in pre-Series A round led by the family office of Kantamaneni from the US and is now aiming to raise more in 2024 to expand their business in the Middle East. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
We spoke with Balaji Subramaniam , Head of Global Sales and Strategy at Sattrix Group , a pioneer in cyber security solutions offering AI-driven managed security services to small, mid, and large scale enterprises. Founded in 2013, Sattrix’s core focus is to protect critical assets and sensitive information from cyber threats. Sattrix stays ahead of the curve by leveraging emerging trends like AI and machine learning, Zero Trust Architecture, and cloud security to address the evolving threat landscape...further aiming to deliver top-notch cybersecurity managed and professional services to businesses globally. We explore the cyber security market dynamic in India and abroad, how customers view their potential impact, consolidation trends, role of multiple technologies, client staging, use cases, and competitive differentiation. In an environment where cyber security is a "board room decision" - an assessment of such a business is very timely. Sattrix Information Security, has recently filed its draft red herring prospectus (DRHP) with the BSE SME for an IPO. The issue involves a completely fresh equity sale of 18 lakh shares, with the company aiming to raise around Rs 20 crore . With the IPO, it seeks to further enhance its capabilities and expand its reach. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
We chat with RV Ramanathan ("Ram"), co-founder of Hyperface - a cutting-edge Bengaluru based company pioneering contextual banking solutions. With a particular focus on streamlining the credit card experience, Hyperface's "Credit-Cards-as-a-Service" platform simplifies end-to-end program management for credit cards, pay-later, and prepaid cards. Hyperface offers a comprehensive suite of products designed to launch impeccable Credit Card programs within a matter of weeks. With a focus on simplifying complex technology, Hyperface has developed robust APIs, PWA, and SDKs, empowering businesses to effortlessly integrate instant card issuance, real-time rewards, and other innovative financial features. We speak extensively on the sectoral forces shaping credit cards and the payments industry at large, notably emergence of creative and innovative technology enabled use cases thanks to lack of traditional revenue pools due to stringent regulations and price caps. Hyperface has secured a substantial seed funding of $10.9 million, led by 3one4 Capital, with participation from existing investors like Global Founders Capital, Better Capital, and new investors including Flipkart Ventures, Groww, and Rebalance Angel Community. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
We spoke with Sandesh Chitnis , CEO of Core Integra , a regulatory technology company offering labour law compliance, payroll processing, permanent hiring, staffing, and employee benefit solutions to its clients. Ctrl F is Core Integra's flagship ERP-based software tool whose core features include automated statutory compliance management, risk management, regulatory compliance, and audit software to optimize business performance. Additionally, the platform has a comprehensive library of Indian laws and acts, facilitating easy search and indexing. Sandesh shares his take on how technology can play role in digitizing and cracking labour law compliances in a complex country such as India with multiple jurisdictions and vernacular elements, taking into account the rising role of AI driven automation. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
We spoke with Shiv Parekh - Founder of hBits - a fractional ownership platform focused on democratizing Commercial Real Estate. Grade A Commercial properties, typically leased to multinational corporations and institutions, can potentially offer stable, secure, and relatively high yielding rental incomes to investors. hBits grants retail investors access to such high-value assets by aggregating demand on its platform, and on the way reduces average ticket size needed to participate. With rising investor appetite for Real Estate linked financial instruments in general, and SEBI's recent interventions to regulate the fractional ownership industry in particular, hBits' product offering and Shiv's insights are very timely. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
We speak with Veer Mishra , Founder of Plus , a Bengaluru-based fintech platform aggregating and digitizing "jewellery savings schemes" in India. Veer gives us a primer on this interesting asset class and describes Plus' offering which includes facilitating discovery of 270+ jewellers nationwide while allowing its customers to plan and save for their next significant jewellery purchase with ease. Available over Google Playstore, Plus is free-to-use and offers an attractive 10% IRR along with exclusive discounts of up to 15% to its customers. Approximately 25% of total gold and jewellery sales transpire through various jewellery savings schemes in India, yet the market remains predominantly offline and fraught with challenges. Plus addresses critical hurdles such as exorbitant making charges and the lack of discoverability. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
We speak with Alankar Saxena , CTO of Mudrex , a platform which has simplified the journey of crypto investors in India and abroad with innovative retail oriented product offerings like coin sets, vault, and now coins. This conversation is very timely considering the revival of crypto within mainstream narrative thanks to rising regulatory clarity (MiCA, UK Parliament, US SEC etc.) and the approval of Bitcoin ETFs within the US. Alankar shares his take on how 2024 may pan out for crypto within global markets and whether this may be the inflection point everyone's been looking for when it comes to this exciting and highly volatile asset class. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
We speak with Krish Ramineni , Co-founder & CEO of Fireflies.ai – a Canaan and Khosla Ventures backed startup whose flagship AI meeting assistant takes notes, transcribes, and analyses Meetings. Used across 200,000+ organizations, Fireflies is on a mission to transform work conversations into actions with its voice assistant, transcription tools designed to automate your team’s workflow. The idea is to unlock the treasure trove of knowledge buried inside voice conversations by creating a searchable and shareable knowledge base. Fireflies integrates with all leading video conferencing platforms such as Zoom, GMeet, and Teams along with popular CRMs and ERP applications like Salesforce, Hubspot, Zoho, and Slack. Aside from covering Krish’s journey at Fireflies and how he sees AI power future productivity tools, we try to understand the evolution of generative AI, early customer adoption, ethical and regulatory concerns and how the industry hopes to navigate these complexities. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…

1 S6 Ep147: Understanding Life Insurance With Peuli Das of Future Generali India Life Insurance 47:02
We spoke with Peuli Das , Chief Insurance Officer at Future Generali India Life Insurance Company , a leading life insurance company headquartered in Mumbai offering total life insurance solutions across individual and group front. Peuli earlier served as MD, Actuarial, Insurance Analytics, and Artificial Intelligence at Accenture and as the Chief and Appointed Actuary in IndiaFirst. Her prior experiences include working in India and abroad for leading brands such as, Reliance Life, Exide Life, HDFC Life, New York Life, and Deutsche Bank. We gain a basic primer on insurance, what new-to-insurance policyholders should think of when they are buying life insurance, product innovation, mis-selling, inherent risks, role of technology, and regulatory developments which support insurance penetration, policyholder education, and changing customer preferences. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…

1 S6 Ep146: Disrupting Student Loans with Prashant Bhonsle of Kuhoo 1:01:03
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We spoke with Prashant A. Bhonsle , founder & CEO of Kuhoo , a Mumbai based fintech unlocking finance for Indian students. Kuhoo aims to become the first port of call for all Indian middle class students thinking about higher education, whether in India or abroad, premium college or not. Kuhoo leverages advanced technologies, data science and analytics to customise lending solutions for students and enable them to get loans without concomitant worries. Their approach involves evaluating loan applications based on a student's potential to secure employment and income, rather than relying solely on traditional factors such as parental income. In addition to conventional educational paths such as Engineering and MBA, Kuhoo offers products for non-traditional certificate courses as well as online education programs. Kuhoo allows students to apply from anywhere, check eligibility, upload documents, and monitor loan status in real-time through its user-friendly mobile application. The platform also provides flexible and customized repayment options, empowering borrowers with the ability to obtain loans without co-borrowers or collateral. Kuhoo is backed by Westbridge Capital, and has established partnerships with ICICI Bank, offering additional products such as Forex and Insurance, and has introduced skill development programs for Engineering and MBA students. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
We spoke with Rajesh Shet , Co-Founder & CEO of SahiBandhu , a trailblazing gold loan aggregation platform leveraging existing infrastructure, reach, and cost competitiveness of scheduled commercial banks to disrupt the traditionally NBFC-led gold loan sector. SahiBandhu aims to offer very convenient assisted customer journeys giving borrowers multiple gold loan products from best-in-class banks in line with their precise requirements and with a focus on underpenetrated semi urban and rural areas. SahiBandhu has rapidly expanded its presence across Tier-3 cities (600+ locations), taking advantage of low competition outside major metropolitan areas. With offerings such as gold-backed credit cards and gold-backed investments, the company aims to now expand into Tier-1 and Tier-2 markets. Founded in 2019 and backed by The Manipal Group, SahiBandhu was established by industry experts including Mr. Rajesh Shet, Mr. Anuj Arora, Mr. Vijay Malhotra, and Mr. Virendra Yaduvanshi. Hope you enjoy this TRANSFIN Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
We spoke with Bibhu Prasad Das , CEO & Co-founder of Propelld , a Series B funded Bengaluru based fintech specializing in providing personalised education loans to students and families in Tier 2/3 cities. Propelld bases their lending decisions on selected course’s end-use, deep borrower underwriting, and by taking a partner-led model. Backed by marquee investors such as Westbridge Capital, Stellaris, and India Quotient, the company was founded with the mission to make education financing more accessible and affordable for Indian students. Propelld leverages technology and ventures deep into its target segment (i.e. supplementary/out of school education and higher education) by collecting alternate data points to determine a student's forward looking capabilities and motivations. Listen in to this fascinating chat where we touch upon inherent underwriting challenges within education lending, how Propelld has tackled them to unlock the potential of this market as a large-TAM-low loss segment, and the perspective needed by institutional investors looking to take exposure in this space. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

We spoke with Sonam Motwani , CEO of Karkhana.io , a custom manufacturing platform helping OEMs source the right MSME manufacturing suppliers and high-quality components for their projects. Karkhana.io has emerged as a new age tech-enabled managed marketplace, providing a wide range of manufacturing services catering to the needs of businesses for small to large volume production, product assembly, product localization, and contract manufacturing. Their capabilities include CNC Machining, Injection Moulding, Vacuum Casting, Forging, Electronics Integrations, Casting, 3D Printing, and more. Backed by Vertex Ventures and Aureolis Ventures, and with a track record of manufacturing over 2.5 million components for more than 300 customers all through a network of 400+ suppliers, Sonam and Karkhana.io have set ambitious goals for themselves with the company aspiring to achieve a topline of INR1,500cr ($187.5m) by FY2026. Listen in to this fascinating chat where we touch upon the structural challenges around "custom-built highly engineered" manufacturing in India coupled with wider issues around fragmentation, low state of digitization in the ecosystem at large, along with the perspective needed by institutional investors looking to take exposure to this space. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

We spoke with Anuj Rajain CEO of Soteria , India's largest home grown integrated security, facilities management, remote monitoring, and video surveillance company offering its solutions to multiple industries like BFSI, retail, healthcare, construction, logistics, F&B, corporate offices etc. Anuj explains - through examples - how surveillance and remote monitoring are becoming more of a ROI driver than just a cost center. He walks us through the broader tech transformation underway converting surveillance into an automated workflow via sensor alert-based monitoring - thereby allowing Soteria to showcase its solutions as a SaaS based offering to clients. Listen in to this fascinating chat where we touch upon a wide range of topics ranging from the supply chain challenges faced by gold loan companies to why supermarkets in the US are being robbed left, right, and center! Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

We spoke with Subhrangshu Kumar Neogi Co-founder of Escrowpay , a pioneer in digital escrow solutions enabling smarter, faster and safer transactions for businesses. Escrowpay is a trailblazer in the world of B2B escrow solutions, by digitizing a predominantly non-linear escrow mechanism involving multiple stakeholders including legacy regulated financial institutions, into an integrated single window platform. Escrowpay's stack includes secure banking infrastructure, trusteeship services, instant identity verification, digital contracts with e-sign capabilities, payment gateway services, integration with various payment methods, digital ledgers, real-time reporting, and seamless transaction processing and management. Their platform caters to a wide range of industries and use cases, making it easy to establish digital escrow accounts in a matter of minutes. Through this chat with Subhrangshu, we discover the typical pain-points faced by MSMEs and how tech-enabled solutions like Escrowpay could go a long way in overcoming transaction inertia and unlocking growth. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

We spoke with Vikrant Singh , Co-Founder of BATX Energies , who recycles used Lithium-ion batteries to extract critical metals chiefly Lithium, Nickel, Cobalt, and Manganese. BATX subsequently supplies these extracted raw materials as inputs to battery cell manufacturers to create a closed-loop Circular Economy for Lithium-ion Battery Manufacturing and Electric Vehicles. With a R&D center in Gurgaon and an industrial unit in UP, Vikrant lays the brass tacks behind India's energy storage supply chain and how various extraction processes, ranging from mechanical, metallurgical, and chemical processes can play a crucial role in serving an energy starved and raw material deficient region such as ours. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

We spoke with Sudhir Kunder , Chief Business Officer at DE-CIX India , a leading carrier and data center neutral interconnection platform with organizational roots in Frankfurt. By offering a reliable and low-latency interconnection platform, DE-CIX India enhances internet performance and optimizes network traffic flow between internet service providers (ISPs), content providers, and network operators. This exchange plays a crucial role in improving the overall internet experience for users and businesses by enabling faster and more efficient data exchange among digital entities in India's rapidly growing online ecosystem. In this podcast we deconstruct some basic concepts: 1. Primer on the internet and role of an Internet Exchange 2. On DE-CIX and its background 3. Business model of an internet exchange 4. Quick explainer on DE-CIX's offerings 5. Navigating data privacy on the internet: impact of AI, newer challenges, consumer recourse? Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

We spoke with Rahul Khetawat , Head of Offline (Sales) at Property Share , India’s first and largest tech-enabled investment platform for commercial real estate. Property Share allows users to access investments in pre-leased institutional-grade commercial real estate in India and the UK - allowing them to diversify their portfolios and benefit from rental income and property appreciation. The company also provides property management services and resale support to ensure ongoing liquidity. Launched in 2016 to democratize real estate investing, Property Share is now a Series B company having raised $52 million to-date and with marquee investors on its cap table, including the likes of WestBridge Capital and BEENEXT. With over $200 million in assets under management, Property Share has attracted 200,000+ registered users and 2500+ investors from over 20 countries. Tune in to an incredibly captivating conversation as you discover how Property Share sits at the confluence of finance and real estate, attempting to establishing a unique ecosystem in the process. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

We speak with Saurav Ghosh , Co-Founder of Jiraaf , a digital platform unlocking and democratizing high yield fixed income investment opportunities for retail investors. Jiraaf offers individual investors access to a wide array of alternate investment products beyond the usual suspects like listed stocks, mutual funds, real estate or gold, all via an easy-to-use convenient digital platform. The investment opportunities are spread across a great mix of asset classes, risk profiles, yields, and tenors, including the likes of corporate debt, venture debt, invoice discounting, and asset backed leasing, which are traditionally often accessible only to institutional players. Tune in to an incredibly captivating conversation as you discover how Jiraaf skillfully navigated and pioneered an emerging industry, attempting to establishing a unique ecosystem in the process. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

We spoke with Ritesh Srivastava , Founder & CEO of FREED , India’s 1st Comprehensive Debt Relief Platform. FREED was founded with the goal to provide an affordable and comprehensive debt relief solution to India's retail borrowers. Ritesh has been a serial entrepreneur for over 20 years and thanks to his background in Debt Relief in the US, he was naturally attracted to this segment in India. He understood the pain points of debtors in India and set out to solve the big problem. So far under his leadership, FREED has counselled over 45,000+ customers and enrolled over INR300 crores in debt and has constantly strived to make the entire debt relief journey as seamless and painless as possible. Tune in to an incredibly captivating conversation as you discover how FREED skillfully navigated and pioneered an emerging and fragmented industry, potentially establishing a unique micro-monopoly in the process. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

We spoke with Nishith Gupta, Director Sapana Carpet-Mats - a leading brand with a market share of 50-55% among branded plastic mats in India. Considering the lower propensity to spend on home décor among Indians vs. the west, Sapana decided to explore the world of plastic mats as they were much more affordable than conventional carpets. The company operates through an omnichannel distribution model with over 30,000 retail stores across India and a robust online presence. The 100% family-owned business recently clocked revenues of INR135cr. Listen in for a super interesting chat to understand how Nishith, a 2nd generation entrepreneur is navigating and scaling a business in a rather traditional industry through rapid technological and distribution disruptions. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

We spoke with Sameer Aggarwal , Founder and CEO at Revfin , a specialist lending company focused on underwriting electric vehicle (EV) loans. Last we chatted with Sameer was in December 2019 ( link to the episode ) when Revfin was taking initial steps in its journey. The world has changed a fair bit since then, with the company having financed over 25,000 vehicles across 19 states, disbursed INR300cr in loans, and raised capital from a bunch of marquee investors including the likes of Green Frontier Capital (GFC), LC Nueva Investment Partners, and debt from the US International Development Finance Corp. Sameer's view on EV financing has a "ecosystem" flavour. We found his insights that the challenge to underwrite against EVs, a relatively new asset class, can be hedged by piggy backing on manufacturers, dealers, distributors, and charging infra providers extremely insightful. He firmly believes that as this ecosystem evolves - it is only about time when EV financing would become as commoditized an offering as internal combustion engine (ICE) vehicle loans. Listen in for a super interesting chat to understand how Revfin navigated and broke ground through a rather disjointed and nascent industry to create a micro monopoly of sorts. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

Saurabh Tyagi is the Co-Founder and CEO of PropChk , India's fastest growing tech-enabled home inspection company. An Electrical Engineer from IIT Roorkee, Saurabh started PropChk to help homebuyers and homeowners gain visibility around potential construction defects within a home before they purchase/invest in the asset. The company operates on a B2C business model that covers home inspection, dampness detection, area measurement, and multi-stage inspection for ready to move in properties. They also provide B2B solutions, including commercial properties, project audits, RWA project takeover audits, and multi-stage inspections. Once inspections are completed, a comprehensive report enlisting all the defects and supported with photographic evidence is submitted to the client. Listen in for a super interesting chat to understand how PropChk navigated and broke ground through a rather opaque real estate industry to bring transparency to the overall construction process. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

Abhishek Sharma is the Co-Founder & COO of Fashinza , a tech-enabled platform that solves manufacturing for fashion brands. Started initially to improve experience while dealing with suppliers, Fashinza takes a value chain approach to support brands, acting as a one stop shop for their sourcing requirements, from the placement of orders all the way to fulfilment, including design, pattern making, sales forecasting and even colour on latest trends and styles. Fashinza is able to do this by digitising the entire production flow at the supplier's end. Listen in for a super interesting chat to understand how various cogs work and fit within the global fashion supply chain and how Fashinza is attempting to formalize and optimize this flow. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

Piyush Gupta is the CEO of VOSMOS , connecting brands to customers through immersive, engaging and easily accessible virtual experiences. VOSMOS is helping companies create virtual and hybrid events, immersive DIY virtual stores, and transforming online customer interactions through creation of tailormade and realistic digital environments. Piyush takes a pragmatic take towards the evolution of digital commerce, blending arguments in favour of metaverse/related immersive technologies with on-ground structural realities such as low adoption of hardware beyond mobile (i.e. VR/AR headsets etc.). Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

Anuj Parekh is the Co-Founder and CEO of Healthysure , an employee benefits insurtech company enabling comprehensive group health coverage for employees of SMEs, startups, and enterprises. Healthysure offers digitized policy and claims experience with curated health and wellness offerings, including an industry-first flexi top-up insurance product which allows employees to personalize & upgrade their corporate health covers and enjoy continuity benefits post-employment. Riding the post pandemic spike in insurance penetration in general, Healthysure helps SMEs build customized benefits suite, receive proposals from 20+ insurers, lock plans, and simplify/automate the entire experience for employees including visibility on claims etc. Albeit insurance has traditionally been a push product, Anuj believes that the cat is out of the bag and these trends are there to stay. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

We chat with Narinder Mahajan CEO of ODN Digital Services (short for ‘Open Doors Now’), a market leader in ‘Shop Now’ strategies, enabling brands and e-commerce platforms to sell successfully online. Narinder is a consumer-retail and e-commerce specialist, and has over 20 years of industry experience. During his corporate journey, he worked with various game-changing organizations across diverse industries and formats of consumer retail. In 2015, he turned entrepreneur and co-founded ODN. At ODN he assists 200+ consumer brands across 20+ product categories meet their ecommerce and digital conversion goals. In this chat we touch upon: Understanding ODN's business model and monetisation Differentiation/USP - explain the "Shop Now" strategy Thoughts on evolution of D2C - threat of rising CACs, shift towards offline, risk off perception of investors etc. Trends to watch in ecommerce e.g. the role of AR, metaverse etc. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

We chat with Shivam Bajaj CEO of Avener Capital , an investment bank offering bespoke PE Advisory, M&A Advisory, structured finance advisory and debt syndication services. Being on the same side of the fence we reflect upon: State of Venture Capital investments in India View on unsecured credit as a new and emerging source of capital for SMEs Next in line for REITS and InVITS in light of recent taxation norms Dynamics of deal making in India Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

We chat with Shreyans Nahar CEO of Chennai based Finsire who is building infrastructure to aggregate and secure digital assets so that Banks, NBFCs, and Fintechs can lend against them. Their solution allows creditors and asset-holding brokers to maximise their lending capabilities and create an additional source of revenues by lending against earned income (for salaried employees) or digital assets (such as life insurance). This is done by permitting the lenders to leverage Finsire’s infrastructure that connects with employers and asset originators (i,e Life insurance companies, and CAMS) to enable secured credit to individuals. In India, there are 1bn people who own an account at a bank or at other financial institutions, out of which 810m are credit eligible. However, only 50% of the country's working population of 400 million people is credit active, having at least one loan or credit card. Rest end up going through a tedious process of pledging their hard assets. And that's the gap companies like Finsire aim to plug. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

We chat with Satyajeet Kunjeer , Founder of Deciml , who is working towards building and automating a micro investing and savings culture in India. Deciml is a micro-investing and micro-savings app that enables young Indians to auto-invest their spare change (as low as Re 1/-) from online transactions into Mutual Funds or Fixed Return Funds. The company recently raised launched its product and raised capital. Within three months of its introduction on the Android PlayStore, Deciml received 25,000+ downloads with a total of ₹20,00,000+ being invested through round-ups, as well as daily investments. Currently, an average user of Deciml is investing close to ₹1,859 per month through these small round-up amounts. With an ambition to add at least 1% more young investors to India’s investment ecosystem, the company has onboarded partners that include Lend Box, Motilal Oswal, as well as Yes Bank. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

We chat with Nageen Kommu , Founder and CEO of Digitap.AI , whose work has largely revolved around solving the problem of information asymmetry for lenders. Majority of BFSI players in the country are dependent on bureau data while c. 400mn Indians have low bureau scores, making formal credit inaccessible to them. Digitap.AI provides alternative data and scoring models to underwrite such borrowers, thereby reducing the risk of NPAs. An early stage fintech platform, the company offers AI and ML based Credit Underwriting, Digital Customer Onboarding, Automated Risk Management and Big Data enabled solutions, including Risk Analytics and Customized Scorecards. The company is a certified TSP on the Sahamati platform. Clients comprise 70+ organisations, including new age fintechs like Bharatpe, Navi, Incred, Lendbox, Kreditbee, as well as more traditional players such as Motilal Oswal, Piramal Finance, and Northern Arc, among others. For FY 2022, the company's revenue stood at INR63mn ($0.8mn) and EBITDA stood at INR25mn ($0.3mn). Targeting an ARR of $20-25mn in the next 5 years, alternate use cases such as marketing, fraud detection, and identity management and development of a personal finance management suite along with the existing solutions should act as key growth catalysts for the business. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

We chat with Adarsh Chokhani of Assurekit , a Mumbai-based Insurtech startup aiming to make insurance commerce simple. Adarsh is building a technology enabled interface between manufacturers of insurance products i.e. insurance companies, and distributors who want to sell insurance, either as part of their core business or as a value added service. Think of someone who enables Make My Trip to sell travel insurance directly on its App, or an auto financer sell car insurance through its website, and so on and so forth. And doing this in a country where 99% of policies are still sold face-to-face, right or wrong! Assurekit promises to be a super interesting B2B2C business, pushing us to delve deeper into the very model which makes it worth noticing. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

1 S6 Ep123: Creating India's Largest Youth Travel Hostel Brand With Pankaj Parwanda of goSTOPS 1:02:27
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We kick off our new season with Pankaj Parwanda of goSTOPS , a hospitality startup targeting young people (sub INR1,000 average daily rate beds) via tech-enabled creation and formalization of the youth hostel inventory pan India. Leveraging benefits of sharing economies and community living, goSTOPS is run by Pallavi Agarwal & Pankaj Parwanda, a very strong founder team who operate 30+ properties comprising 2,500+ available dorm beds spread across the country. A super interesting business with great potential - being asset light and possessing strong execution capabilities, we delve deeper into the very model that makes goSTOPS great, and which has resulting in them building a solid brand within their TG in a relatively short period of time. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran , where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

1 S5 Ep122: How to Make a Mark in the Phygital Commerce of Makeup and Cosmetics With Priyank Shah of Renee Cosmetics 48:06
We speak to Priyank Shah, Co-Founder and Director of Renee Cosmetics, an up-and-coming player disrupting the Indian makeup and cosmetics industry. He walks us through the challenges of creating a phygital commerce company with a differentiated offering in a very competitive sector. Moreover, Priyank walks us through his experiences of building Beardo, his former venture, and how it shaped his journey at Renee. Innovation is the key to success in the beauty and personal care segment, he says, as it helps product experiences resonate with the users. Cultivating on these insights, he aims to lead Renee to newer heights of success, building upon the remarkable growth the company has witnessed recently. Listen in for an enlightening conversation.…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

We speak with Saket Agarwal, Founder and CEO of Onnivation, a firm that invests in deeptech Israeli SAAS companies and drives their business for India. Onnivation's partner companies bring Israel's deeptech ecosystem to India's largest corporations. As someone who christened himself on social media as #YourIsraelGuy, Saket reflects upon the ideas and motivations which drove his journey to-date. Listen in for a thoughtful conversation.…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

1 S5 Ep120: How Decisions Enabling Market Intelligence Works With Raj Neervannan of AlphaSense 39:04
We speak with Raj Neervannan, Co-founder and CTO, of AlphaSense - a leading market intelligence and search platform focused on the financial services sector. AlphaSense helps its clients make better business decisions by collecting data, analysing information, and contextualising findings through its AI-powered products and solutions. Raj sheds light on market research's most significant challenges i.e. information overload, asymmetry, non-standardisation and the roles that technology can play in solving them. Listen in for an insightful conversation!…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

We speak with Badal Malick, Co-founder and Chief Business Officer at KarmaLife.AI , a platform building financial solutions for India's growing gig economy. Motivated by the pain points of gig workers, including cashflow volatility, exposure to shocks and limited career progression due to a low skill base, Badal talks about how KarmaLife.AI serves their financial requirements. Drawing from his own experience and interest towards financial inclusion, Badal explains how KarmaLife.AI combines work data and technology to accurately underwrite customised credit and build trust in order to empower gig workers and support lenders.…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

We speak with Harsh Bhuta, Partner at Bhuta Shah & Co. LLP, a Mumbai-based premier Chartered Accountant and Law firm, which deals closely in audit, taxation, advisory and corporate finance. Harsh shares his insights on the way cryptocurrency regulation - in particular, taxation - is taking shape in India. As a seasoned tax consultant, he breaks down the new rules and implications for Indian crypto investors as the country takes a (supposedly) accommodative approach towards regulating this enormously popular asset class. Despite commending its merits, Harsh is rather circumspect and feels that the framework is currently very tight, out-of-touch with global precedents and would not be conducive to attracting institutional volumes - unless regulations evolve fast enough. Will India miss the bus? Listen in for an enlightening conversation.…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

1 S5 Ep117: Decoding Indian Companies' Working Capital Conundrum With Mohan Krishnan of Global PayEx 54:20
We speak with Mohan Krishnan, the co-founder of Mphasis , one of India's largest listed IT and BPO company. He is also the founder of Global PayEx , a B2B fintech company focused on improving working capital efficiencies through optimisation of a company's Account Receivable and Account Payable cycles. Having over 30 years of rich experience in financial services-focused information technology, Mohan explains how traditional banking channels are ill-equipped to give a complete and contextualised picture of one's working capital situation, and the need to combine one's AR/AP cycle in real time with value-added lending solutions. From this, we go on to discuss the uniquely India-specific challenges afflicting our unsecured lending markets and why. Listen in for a super-fascinating and nuanced discussion.…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

Anshuman Panwar is the Co-Founder of Creditas , a tech startup which specialises in delinquency management. He speaks at length about his business and the ways in which one can combine the elements of gamification, personalisation and financial literacy to build a robust technology-enabled debt collection layer. While LongShorts has traditionally focused on the lending side of things, chatting with Anshuman, and his take on the not-so-glamorous albeit phenomenally important area of collections and the role played by technology to make borrower experience as frictionless as possible, has been a breath of fresh air. Anyone can lend but getting your money back is the key. Listen in for this fascinating conversation.…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

We speak with Milan Ganatra, CEO & Founder of 1SilverBullet. His platform's core offering includes building API-based digital interfaces to help financial institutions, consumers and developers talk with each other. Milan speaks about how 1SilverBullet acts as the bridge between manufacturers of various financial products including investments, lending, and insurance with the wider marketplace (brokers, intermediaries etc.). He takes a nuanced view towards digital adoption, saying physical stores, storefronts and physical advice would always be there. Listen intently for a brilliant conversation.…
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TRANSFIN. LongShorts with Nikhil Arora and Sharath Toopran

Does your child struggle with instructional learning? This week in LongShorts, we speak with Sonia Notani, the co-founder of BrainGymJr - a technology startup that aims to teach children how to think and apply their school-based knowledge from a young age. Focused specifically on Mathematics, English and real-world skills, BrainGymJr is gamifying learning by presenting simple concepts (e.g. ratios) within a problem-solving framework (e.g. ratios of a pizza) - one game at a time! Choosing not to identify strictly as an edtech company, Sonia talks about the complex value chains underlying education, the various stakeholders at play and the critical inputs needed to create a product such as hers. Listen in for an engaging conversation!…
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