A MARKETPLACE FOR BORROWERS AND INVESTORS

PROBLEM STATEMENT
o 78 % of Indian Population cannot get a Personal Loan *
o $ 400 Billion Loan Market

o Why ?
Current Qualification from Financial Institutions for Personal Loan
o > Rs. 40 K Monthly Salary, 25 Years, and 3 Yrs of work history
o > 1 yr of Credit History, and no Default or Delay in the past

o Why is it outdated ?
o Low salaried individuals pay debts on-time, and consider debt payment as moral obligation.
o Significant number of good ( 6 L salary and MNC job ) borrowers do not have credit history
o Recent credit history ( last 18 months ) has more significance than what happened 5 yrs ago

* Census Report on Population and Income

SOLUTION
o An Online Marketplace for Borrowers and Lenders
o Starting with Salaried Employees as Borrowers
o An in-house and self-evolving Credit Model that is better than CIBIL Score
o Higher Risk-Adjusted Returns than most Investments
o Borrowers
o Online Loan Application Process – 5-Minute Loan Application
o No Minimum Salary Criteria
o Low Interest Rates (APR) – 12% and above
o Quick Turnaround – Same Day Loan Approval
o Loan Disbursal – 2 to 5 days
o Investors
o Investor Returns – 12-25%
o Monthly Cash flows from Investments in form of EMIs
o Investment spread across multiple loans
Risk
o Risk Model Parameters o Mitigate Risk
o Debt-to-Income Ratio o Diversification – Spread Lender’s money
o Past Delinquencies across multiple borrowers
o Past Settlement or Defaults o Loans are funded by 2 or more lenders
o Usage of Revolving Credit o Small Loan Ticket Size
o Employment History o Post Dated Checks
o Guarantor o Guarantor
o Total Assets o Cover Legal Expenses for Recovery
o Rented or Own House o Partnership with Agencies for Collections
o Amount transferred via NEFT/IMPS and others o Lender’s Insurance Fund
o 55 additional parameters o And more
 LOANMEET TEAM

The documentation process was very

simple which surprised me. I found
LoanMeet exactly at the time I needed Rajiv ( Lender ) – I am happy to know
Palani ( Borrower ) – LoanMeet helped
the most and I would rate it 5 on 5. that I helped Palani accomplish his
me accomplish my 10-year dream to
- Shamla ( Borrower ) dreams. Also, I am enjoying the returns
purchase a bike.
on my investments at LoanMeet.
Screenshots
How
o Digital KYC Verification
o Uses data from Social Platforms
o Checks Public Data Sources
o LoanMeet Score
o Uses 63 parameters with average of
100 conditions for each parameter
o Built with data from multiple banks
o Self-Evolving from new data points
o Lender Dashboard
o Loan Eligibility
o Loan Affordability
o Default Probability
o Loss given Default
o Portfolio Management
REVENUE MODEL
o Listing Fees of Rs. 1000

o Average of 3% of Loan Amount from Borrowers

o 1% of Loan Amount from Investors

TEAM
o Sunil Kumar - CEO
o 2001 IIT Mumbai (Mechanical Eng.)
o MBA (Finance) from Xavier University – 4.0 GPA
o 14 Plus yrs. of Work Experience in IT and Finance
o Worked as Scientist at Daimler-Benz (Mercedes), Detroit
o Worked in Risk Dept. of Federal Bank, Cincinnati
o Managed Bond Fund
o Suneve – Credit Manager
o Worked at ANZ and Standard Chartered Bank
o Virat – Sr. Software Engineer
o Built Optical Character Recognition (OCR) Program
o Ruchila – Software Engineer
o Built Natural Language Processing (NLP) Program

o Ashutosh Srivastava - CTO o Jatin – Financial Analyst

o MS from Illinois University in Computer Science o Wrote paper on Crowdfunding
o Worked at Market Risk Dept. of JP Morgan in Houston
o 8+ Yrs of Work Experience in IT and Finance o Hari Ratan – Advisor
o CA, Entrepreneur, and Director at Lateral Management
o Youngest VP at JP Morgan
o Won Wizardry Award at JP Morgan o Vinay Verma – Advisor
o Sold his startup to CitiBank o Zonal Head of South @ Andhra Bank
o Wrote Compression Tool that is used at AirBnb and Etsy
o Built Self-sustaining Modelling Tool for Credit Default Swaps o Partnership with IIM Bangalore Students on Credit
Modeling
o Govind, Chitranshu, Chandan, and Sahil
Reviews
"Google, like an answer to everything, led me to Loanmeet. I could feel that the first call was very
professional and the person on the other side of the call had that pitch of a banker. What I am most moved
about by Loanmeet is its process-oriented practice. It doesn’t need me to verbalize that they had been
proactive all along the documentation process. There is definitely something different about it from the
banks that follow a tedious process. I am glad to see an end-to-end platform so genuine that could help
me out solving my problem. "
- Supriya Singh, YES Bank ( Borrower )

"My experience at LoanMeet has been good. The borrower portfolios were well-arranged and specifically
informative to help me come to a decision."
- Ram Chandra, Barclays, ( Lender )
Thank You

Sunil Kumar sunilkumar@loanmeet.com 91-9731578349