copy of olly biz deck_02-17

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ceo@getolly.comDIGITAL CREDIT APP

DIGITAL CREDIT APP

ceo@getolly.comDIGITAL CREDIT APP

A digital credit app for India’s working masses

Olly is a mobile first credit app for millennials & shared economy workers with a dynamic credit limit

around AI-based underwriting

ceo@getolly.comDIGITAL CREDIT APP

ONLY 7%of India’s middle class have

credit cards:

a) Bank’s focus on the creamy layer

b) Millennials don’t have a credit score

Source: consumer credit report for 2016

c) They are app users & hate bureaucracy

ceo@getolly.comDIGITAL CREDIT APP

90Millionpotential market for Credit

Cards in India by 2020

a) 24.5 Million credit cards Vs 661.8 million debit cards

b) Only 16 Million credit card users

Source: consumer credit report for 2016

ceo@getolly.comDIGITAL CREDIT APP

Opportunity

The 21 – 34 age group Low on default/ High LTV

48.8 MillionSMBs + Shared economy workers

OLA = 6,00,000 Drivers Delhivery = 40,000 delivery workers

ceo@getolly.comDIGITAL CREDIT APP

Get credit in 180 seconds

1. Download the app

2. Share minimal details 3. Validate email and phone number

ceo@getolly.comDIGITAL CREDIT APP

CIBIL SCOREREPAYMENTS

16100% IN TIME

TRANSACTIONS

240

ceo@getolly.comDIGITAL CREDIT APP

Risk assessment: Olly AI

Geo tracking

Workplace rating

Career Progression

Institutional Underwriting + Track Behaviour Patterns

ceo@getolly.comDIGITAL CREDIT APP

Keep sharing & increase credit limit

KYC’s

ceo@getolly.comDIGITAL CREDIT APP

Lender dashboard:

Transactional data User data

ceo@getolly.comDIGITAL CREDIT APP

Compliance Ready

+Lender Processor

ceo@getolly.comDIGITAL CREDIT APP

Traction

Revenues

Successful Pilots CEO’s

Radi Walla

MBAStd

MBAStd

ceo@getolly.comDIGITAL CREDIT APP

Olly’s Business Model

1. Revenue share with lender

2. Dashboard subscription

Also, we share the risk

ceo@getolly.comDIGITAL CREDIT APP

Competitive landscape and competitive advantage

Startup VS Incumbent

ceo@getolly.comDIGITAL CREDIT APP

Team

AshwinProduct |

Tech | Business

RingaileProduct | Design

AbdulazizSoftware

Development

TonySoftware

Development

MomenSoftware

Development

ceo@getolly.comDIGITAL CREDIT APP

Financials

INR Lakhs. FY 18 FY 19 FY 20

Interest Income 23 1,275 30,963

Subscription Income 10 588 14,469

Transaction Fee 8 941 23,150

Total Revenue 41 2,803 58,583

Total Expenses 221 896 10,361

Net Margin (180) 1,907 58,222

Net Margin % NM 68% 84%

ceo@getolly.comDIGITAL CREDIT APP

Scale up plan

1. Get to 10K Users

2. Establish systems & processes

3. Adoption by diverse user groups

4. Establish strategic tie-ups

ceo@getolly.comDIGITAL CREDIT APP

B2B2C Sales Process

OLLY TEAM

SMB

EMPLOYEEDATA

EMAILS TO EMPLOYEES

ceo@getolly.comDIGITAL CREDIT APP

Previous raise

Rs.62L

Founders

Rs. 38 L from Startup Chile / angel investor & Rs. 25 L founder's contribution

ceo@getolly.comDIGITAL CREDIT APP

Existing raise

Rs.2.4CR

Rs. 70 L committed from Jaarvis / other angels

ceo@getolly.comDIGITAL CREDIT APP

Risks, Challenges and Mitigation

Risks and challenges Mitigation Default of Repayment Technology / Systems and processes

Competition from established players Core strenghts + Strategic Tie-uos

Regulatory Challenges Favourable environment

Raising Capital Continous fund raising process

ceo@getolly.comDIGITAL CREDIT APP

Awards and Recognition

ceo@getolly.comDIGITAL CREDIT APP

DIGITAL CREDIT CARD APP

“Ask us for a demo”

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