Investor Presentaiton

Managing Risk Moving towards predictive risk models with sharp learning curves > STAGE 1 1. Credit Bureau scrubbing Fully automated 2. Cashflow analysis ►Bank statement + GST statement analysis 3. Physical verification and telephonic verification STAGE 2 ➤ Build proprietary risk models for each acquisition channel Differentiated information through CA channel ► Co-create lending models with fintech partners Fintech partnerships contributed >50% of monthly case volumes STAGE 3 ► Move to scorecard based lending. The models have a sharp learning curve as they benefit from high volume of cases being generated through fintech alliances and Niyogin platform Stage 1 & 2 have been executed

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