The current path to success for an Indian lending fintech company seems to be a) Build a business around an arbitrage in the short-term, b) build scale by complementing a Bank’s services, c) build a Brand, and then eventually d) build a Bank. Exploit an arbitrage: The raw material (read funds)
Here’s an opinion piece on the often-overlooked sub-category of personal credit in India – Gold loans. How come the impressive growth of gold loans during the pandemic still falls short of the potential and what can we do to access the full potential of gold loans.
One of the mid-sized Indian Banks with a focus on increasing retail deposits charged me yesterday, for not maintaining the Minimum Account Balance (MAB) in my savings account. One of the Term Deposits (TD) matured and the Bank charged me for non-maintenance of MAB for the last 3 months at
Atomic Habits by James clear is one of those books that provide a clear execution framework to a vague but useful theory. The best way to start the book is to first note down a set of new good habits that you want to form and a set of bad
This short read by Cal Newport makes a very strong albeit a pretty common-sensical case about why blocking explicit time for in-depth work is very important in today’s stimulus driven world and gives some hacks in terms of how to do it well. If you already believe in the power
This is a short read highlighting how to inculcate and build a culture of ruthless direct feedback as well as care and empathy within your organisation. This book seemed to have a solution to most of the problems I faced during my managerial journey and has laid down things in