Investor Presentaiton
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Data Science Backed Centralised Underwriting
Risk Management Design
Tech-Led
Centralised
Salaried customers
Build detailed understanding of
customer via field visits by RM
In-depth understanding of
operating geographies and
property types
Low under construction
exposure and low LTV
100+ data points & digitally
captured data for all customers
- API integration with third party
independent sources like Hunter,
Perfios etc.
All customer and internal
communication, documents,
photographs, videos available on a
single cloud based system
Consistency in underwriting
Integrated CRM and Loan
Management System on cloud
based platform
Proprietary Machine learning &
Customer scoring models used
for credit decision
Loans Approved within 48hrs
89%
For Q2FY23
12%
88%
Q2FY23
Investor Presentation - Q2 FY23
Low Under Construction Risk
27%
37%
17%
LTV on Origination
EMI
Pre-EMI
35%
Q2FY23
56.2%
■Less than 50%
38%
13
50-80%
Above 80%
46%
Q2FY23
46.5%
Low effective LTV on book
■Less than 50%
50-80%
Above 80%
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