Company Name: Finkurve Financial Services Limited

BSE Scrip Code: 508954

Arvog Finance Lending Portfolio
Digital Lending Products

School Fees Financing Early Salary Loans

Simplify cashflows for parents through a flexible school fee Emergency cash requirements
payment plan
Advance Salary support

Gold Loans Loans to Wallet Merchants

Glittering a billion lives through the power of gold & Merchant funding is an easy way to maintain a healthy
making it accessible, affordable, useful, and manageable cash flow, without providing any collateral to avail finance
for all phases of life
 CREDIT ENGINE
A high-performance, real-time credit decisioning system. AI-driven scoring models are trained using the customer’s data and
business goals to produce an API-accessible loan underwriting system that returns transparent credit decisions including
grantable amount, interest rate, and term. Custom lending rules and policies are defined collaboratively with the lending
partner and integrated accordingly.
Credit Engine Capabilities
Can combine multiple set of data to provide a credit decision, these data points help in evaluating the customer’s credit worthiness but will also grow his/her credit
footprint –

1) Demographic 6) Economic

• Identifiers (IDs, DOB, etc.) • Macro

• Personal (Gender, Marital status, etc.) • Micro
• Education & literacy Multi-dimensional • Geopolitical
• Location Customer Profile created • Industry/Sector
using any and all data
available on a customer. • Commodities
• Forex/Currency

2) Non-Credit Transaction AI-driven methodology

enables identifying all
• Wallet Transactions possible relationships
• Purchases between variables to create
• Utility payments a comprehensive data
profile. 5) Alternate Digital Sources
• Card Usage/transactions
• Digital Payment Transactions • TELCO
• Phone Call/SMS History
4) Credit / Saving History • Location Services
• Social Media Data
•Requested loan facility • Internet Usage
(behavior) • Installed Apps
3) Financial
• Internal to Lender • NLP and Images
• Third party
• Personal
• Credit Bureau
• Household
•Guarantees / contingent
• Business
obligations
 LOAN ORIGINATION SYSTEM

2. Performing de Dupe:
Is he already recorded in the system 3. CIBIL Check:
What is his credit history recorded in
CIBIL

1. Booking a case:
Enter the customer data and generate 4. Verifications:
application number Verify credentials provided

6. Disbursal:
System pre-disbursal check. Asset
booking
5. Decision
Configurable multi level decisioning
with detail information capture
Ability to generate standard note codes for effective tracking and information sharing
 Lending Plan
Offering Customized
Stronger Data Analytics Collaborations Solutions

To reach a more authentic credit score, More collaboration among Fintech

Customized products like credit cards,
start—ups, banks and N BFCs
more focus to be given to data accounts based on borrower’s credit
expected in near future
analytics and profile

Full Stack Companies Democratizing Data

Lending companies to have in- house capability Allowing portability of trusted data
of offering loans, compliance, regulatory etc. between service providers under Data
Empowerment and Protection
Architecture (DEPA) architecture

Source: NASSCOM
Lending Success Factors-Establishing Partnerships for Market Access, Using Data to
lower Default Rates

Access to the merchant / individual data can help

create a credible credit score. NBFCs need to partner
with e-commerce companies and FinTechs like Swiggy,
Amazon etc. to get such data

Keeping the default rate low is the prime focus of

every lending firm as it directly impacts the margin
and business sustainability

Partnerships help in driving mutual growth as

both Fintech firms and banks / NBFCs have
their own strength and weaknesses

Source: News Articles, NASSCOM

 Ketan Kothari – Director

Priyank Kothari – Director of operations

OUR Narendra Jain – Director

TEAM
Jay Bhatia – Analysis & Project Manager

Aakash Jain – CFO

 THANK YOU

OFFICE :
D Wing, 202, 2nd floor, Trade World,
Opp. Bombay Canteen, Kamala Mills,
Lower Parel. Mumbai – 400013, India
Tel: +91-22-42441200
Email: info@arvog.com