Think Working Capital…

Think CredAble
- India’s largest working capital platform

Strictly Private and Confidential 1

Agenda
01 Overview

02 Our Solutions

03 The CredAble Working Capital Platform

04 Enterprise Programs

05 Banking-as-a-Service

06 UpScale

07 About CredAble
CredAble: Our Business Verticals

Enterprise Banking-as-a Small

Trade
Ecosystem Programs -Service Businesses

API based Co- Providing an all- Intermediating

Creating liquidity in-one credit, supply chains
Branded Working
for trade and cash within the
Capital platform
vendor/customer management ecosystem
and embedded
ecosystems of platform for creating liquidity
Solutions Enterprise clients
credit solutions
for Financial small businesses and enabling
through the to manage and better working
Institutions and
CredAble Working grow their capital cycles
their Customers
Capital Platform business

Integrated business model to enable working capital for India Inc 3

Our Solutions
The CredAble Working
Midmarket and Emerging
Capital Platform Multitier
Financing Corporates
Just In
Time
Creating A Win-Win Solution For Financing
Securitization
All Key Stakeholders

▪ Enabling banks and financial

institutions to scale working Large Corporate
Banks and
capital lending as well as manage Clients
risk
Financial
Institutions
Capital
▪ Allow corporate clients to facilitate Origination
working capital for their supplier
and customer ecosystems Early
Co-lending and Payment
▪ Enabling liquidity for financial Co-branding Automation Financing
institutions via securitization of
their MSME portfolios
Receivable
▪ Enable real time unsecured
UpScale MSMEs Financing
working capital for MSMEs

Building India’s largest and most comprehensive working capital platform

5
Comprehensive solutions for Enterprises and its ecosystem

Customized post invoice early A digital platform for large

payment programs for vendors of enterprises to monetize its
enterprise clients dealer/retailer receivables

Corporates can either maintain or Option to aggregate all existing

extend days payable while vendors channel financing programs to
Receivables
receive early payments Early access through unified platform
Financing
Payment
Program
Enterprise
Programs
Structured
Payment Trade CredAble to structure FLDG
Single platform to efficiently Aggregation backed programs (i.e., act as
manage all payment needs of an FLDG participant) for
corporate which eliminates the large Corporates
need for multi-bank integration

CredAble offers working capital and tech stack solutions to enterprise clients in India 6
 Banking-as-a-Service
Unified platform for small businesses to avail trade opportunities as
E-KYC & Digital On Boarding
well as embedded finance including loans, forex, insurance, etc.

Unified Payment platform for managing

Digital underwriting basis FI’s proprietary KYC and Embedded
Digital On Finance all payment needs of corporate
credit model
boarding Platform Payments and
Embedded
Credit Platform Reconciliation
Platform

Loan Flexible to add a layer or replace

Fully digitised documentation suit Digital Operating System for Management existing LMS; to support flexible and
enabled with E-sign Documentation System timely launch of new products by FI
Working Capital
Banking-as-a-Service
BAAS
Anchor Led
Supply Chain Receivables
Finance Financing
Customised Post-invoice early Program Platform
payment programs for suppliers of Receivables aggregation Platform for
enterprise clients. Dealer/ Distributor financing
Vendor Led Purchase
Supply Chain Order
Finance Financing
Program
Platform based solutions for enabling liquidity to vendors, along with Enabling both digital underwriting for PO financing as well as platform for
validation of genuineness of underlying transaction (invoice / ewb) digital management of pre to post shipment financing

All the above features are available on CredAble platforms, can be shared via API Integration with FI partners under co-branding agreements
Growth partner to SMBs

01 02 Integration with SME Accounting Systems (such as Tally), Bank

Statements & GST for data triangulation to provide real-time
insights on financial operations
Business Trade
Intelligence Enablement. Cash Flow projection to help identify cash crunch

Manage financial operations like collection & payments from one

platform with unified view of all bank statements

Receive and Avail instant access to working capital financing & other
make Embedded financial services requirements
payments Credit and
Instant loans Accurate Credit Models for financiers – enabling Straight Through
Processing of credit

03 04 Intermediating trade for SMBs to enable them to sell more and

buy cheaper

The all-in-one credit, cash and trade management app enabling growth and financial inclusion for all SMBs in India 8
Leveraging tech to enable business efficiency and scale
Real-time view of inventory position

Inventory
Management

Verification of PAN, GST and Connects existing bank accounts &

bank details of vendors / GST / PAN Ease of provides a unified view of all bank
Verification Banking statements
customers

Suite of
Offerings

Access real-time business Payments, Manage financial

Business operations like collection &
data to make informed Collections &
Dashboard
Reconciliations payments from one
decisions
platform

Projections
Future projections including
cash flow, P&L, balance sheet
etc., helps identify cash crunch

Providing tools to Enterprises / SMBs to support business growth 9

Enhance accessibility to capital via embedded credit

Pre-Qualification Check
Covers hygiene check, e-KYC
& bureau check

Financial Details Check

Triangulates data from several
sources such as GST filing,
Bank statements, ERP data,
MCA

Scorecard based decisioning

Proprietary credit model
enables checking MSME
eligibility

Electronic Auto-Disbursal
Final Decision Quick auto disbursal
Automated trigger of final Documentation
Digital signing of directly to MSME Bank
decision to the customer & FI
Partner documents with
Aadhar or e-sign

Enabling working capital on a straight through process 10

About CredAble

11
Our Scale and Leadership in India
Started in 2017, CredAble today offers a wide range of working capital products across three key ecosystems: Enterprises, Financial Institutions
(FIs) and Emerging Corporates (including Small and Mediums Businesses (SMBs)

Disbursement Borrowers
> 150,000 > 50,000
Borrowers # of customers
onboarded on onboarded
> $400m > $5bn enterprise across JIT and
Monthly Expected platforms Upscale
Disbursement Disbursement
ARR for FY22 ARR in Mar-23

Partnerships

< 3%
30+ 2
On-book 75+ Co-branded
disbursement Financial
Corporate partnerships
Institutions
with 0% NPA partners with leading
partners
to date banks in India

Conversion $1=₹75

Leader in the Enterprise segment, coupled with key FI partnerships, CredAble has built a robust foundation to capture the SMB segment
12
 Backed by marquee client and FI partnership
Snapshot Of Lenders On The Platform Snapshot Of Anchors On The Platform

Multi-National
Multi-National Companies
Banks

Large Indian
Indian Private Companies
Banks

NBFCs Emerging
Corporates

13
Diverse and deep-rooted presence across the Enterprise & FI ecosystem 13
Led by a highly seasoned management team (1/3)

NIRAV CHOKSI RAM KEWALRAMANI

Co-Founder and CEO Co-Founder and Managing Director

▪ 28+ years as an entrepreneur

▪ 18+ years experience in investment banking
▪ Prior to CredAble, Nirav co-founded and led and people logistics
Equentia Natural Resources Pte Ltd., a
▪ Director & CEO of Premier People Logistic
multi-commodity trading and structured
Solutions
finance company with offices in Singapore,
Jakarta, Dubai and Mumbai. ▪ Former leadership roles at Centrum Capital &
Grant Thornton
▪ Founded, built and scaled C-tech, a
company in the technology and product ▪ Graduated from University of Mumbai
space for over a decade
▪ B.Sc. in Computer Science, Economics
from University of Michigan

Strong founding team with expertise in areas entrepreneurship, technology and investment banking 14
Led by a highly seasoned management team (2/3)

NITIN SHARMA ASHUTOSH TAPARIA MANU PRAKASH SATYAM AGRAWAL GAURAV DUGAR
CPO and MD, Corporate Coverage MD and Head – Partnerships MD, International Business EVP & General Counsel
MD-SME Business & FI Coverage
▪ 14+ years of experience in ▪ 14+ years of experience in ▪ 16+ years of experience in ▪ 20+ years of experience in ▪ 10+ year experience as a
product strategy, financial services, trade transaction banking, product Banking, Fintech and SME
transactional lawyer (largely
marketing & technology finance, product and management and supply chain Platforms
business development M&A/ PE)
▪ Co-Founder of GoYaNo, a finance ▪ Former MD and Head of Retail
crowd-sourcing ▪ Former SVP and Head of ▪ Previously worked at major Business Banking for Asia ▪ Prior work experience at
entertainment community Business Development for financial institutions including Pacific for HSBC, Global leading law firms such as
▪ Former roles at Snapdeal, South India at HSBC HSBC, Standard Chartered and Product Head of Business Shardul Amarchand
Sun Life Financial & ▪ MBA from XLRI ICICI. Headed Trade & Product at Banking for Standard Chartered
Mangaldas & Co and Trilegal.
InterraIT Jamshedpur SMBC India Bank.
▪ Alumnus of IIFT, Delhi and CDCS ▪ MBA from Goa Institute of ▪ Gold medalist from
▪ MBA From Indian School
of Business qualified Management. Attended Hidayatullah National Law
leadership programs by IMD University Raipur
Business School and London
Business School

Highly seasoned management team with experience across banking, investment and insurance
Led by a highly seasoned management team (3/3)
RANJIT SINGH
Executive Vice President
and Head of Credit
▪ 21+ years of experience
across banking, credit
ratings, insurance and
information technology
▪ Diverse work experience
includes roles at Rabobank,
Standard Chartered, CRISIL,
ICICI Lombard, QAI Global
and TCS
▪ MBA from FMS Delhi
Highly seasoned management team with experience across banking, investment and insurance
KETAN MEHTA HETAL SHAH DEBASHREE LAD KAPIL KAPOOR
EVP, Finance and Head | EVP-Risk Chief People Officer Chief Technology Officer
Finance Controller Operations and Head of Corporate
Communications ▪ 24+ years of experience as an
▪ 16+ years of experience in the ▪ + 30 years of experience international technology leader,
▪ 16+ years of experience in
statutory audit function, across industries as diverse building enterprise software for
the field of Human
servicing clients in industries as commodity trading, internet big global tech companies. He
Resource
like Financial Services, Real technology, land development has led engineering teams in
Estate and Pharmaceuticals and equity investments. ▪ Prior work experience at
Asia, Europe, and North
prestigious organizations,
▪ Formerly associated with ▪ He specializes in business America.
including corporates such
Deloitte Haskins & Sells, in a operations, legal and ▪ Previously, he was associated
as Nomura and others
senior capacity governmental compliance and with organizations such as
such as Tata Institute of
has previously gained Loylogic, PTC.
▪ CA from the Institute of Social Sciences
experience as an independent
Chartered Accountants of India ▪ He is an MBA from The
entrepreneur. ▪ Graduated from University
of Mumbai University of Chicago's Booth
School of Business and an
alumnus of the prestigious
INSEAD Business School
…coupled with a strong advisory board

RAKESH BHATIA ANIL GUDIBANDE ANITA BELANI SANDEEP SOMANI

▪ Erstwhile Global CEO of Trade and
▪ 17+ years of experience with Citi ▪ Serving as Independent Director on ▪ Co-Founder and CFO, Oaks Asset
Receivables Finance for HSBC
Bank and AIG and served as a MD in the Board of IDFC Asset Management
▪ With over 28+ years of banking Royal Bank of Scotland Management, Foseco, etc. ▪ Previously served as Executive VP
experience across Asia, UK and Middle
▪ Currently cofounder 1Crowd, India’s ▪ Working as an Operating Partner and VP in Bay Capital and Enam
East of which 8 years with HSBC
leading Angel Network (CPO) in Gaja Capital Asset Management
▪ Served as a CEO of Catholic Syrian Bank
▪ MBA, Human Resources from XLRI ▪ CA and CS, Bachelors in Commerce
and focusing now as a Co Founder, Chair,
Jamshedpur and BA Economics from from Delhi University
a mentor to lot many FinTech startups
Delhi University
▪ Business Marketing Strategy from HBS,
PGDBM from IIMA

Highly diversified board with experience across banking, investment and insurance 17
Our Investors

▪ Plutus Wealth Management LLP ▪ Axis Bank Limited, formerly known as

▪ OAKS Asset Management is a Mid-
(Plutus) is a team of independent UTI Bank, is a leading Indian banking
Market Private Equity Fund investing in
financial advisers, with the expertise and financial services company
Experienced Entrepreneur led scalable
and passion to bring valuable headquartered in Mumbai, Maharashtra.
businesses in India. They back founders
who have deep skin in the game through opportunities. Encompassing ▪ Axis Bank has invested 9 Million USD in

sizeable ownerships in their businesses; proprietary investment activities, they CredAble

Entrepreneurs that have the experience invest in opportunities that incorporate

of having operated in complex markets differentiated business models, unique

and situations and are seldom market positioning, credible and

intimidated by scale. professional management, and highly

scalable business models..

In News

18
Awards & Recognition

Won ‘Banking Tech of Won the ‘Best Technology Use Case’ NASCOMM Emerge 50 Best Supply Chain Finance
the Year’ at Asia Fintech in Business World Disrupt Awards 2022 Awards 2020 Solution of the Year
Award 2022

Part of the SAP Startup Incubated by Oracle Startup The Asset Triple A Digital Awards 2022
Studio Cohort 2020-21 Cloud Accelerator ‘FinTech Startup of the Year’

19
Think Working Capital..
Think CredAble

Strictly Private and Confidential 20