Propelld is re-thinking education lending from the ground up. Education, even though one of the most talked of subjects

in the country, still suffers from a lack of financial access for the 80% of income population who don’t have the means

to qualify for loans from traditional Banks. Propelld, with its approach of accountable education lending by using future

income as the key metric, has emerged as the top-most lender in this space.

Propelld is building a sourcing engine within the fragmented education market with counsellor facing products that

enable counsellors/agents to convert sales quicker. At the other end, Propelld works with lending partners (NBFCs and

Banks) to build the lender layer with deep API integration for processing loans/disbursals/repayments. The underlying

digital application process, collections and alternate database credit underwriting models are some of the products that

With an untapped large potential of the education market not just in terms of increasing education spends but also with

respect to inefficient transactions of education enablers, low penetration and non-existence of fin products and the

opportunity of becoming the REAL first credit product for a Gen Z, Propelld is looking at building large value across the

If you are somebody who likes enjoying a tough challenge, is convinced of the huge impact of Education for the

country’s future and is looking at a high growth/high energy work environment, we are looking for you. As part of the

Tech team at an initial stage, you would be working directly with our CTO who has previously led the India team of 30-

40 developers at Travel Republic, Co-Founder CTO with Voyce (sold to Exotel) and Kalido. Other senior team members

include Bibhu Das (IIT Madras, IIM Calcutta, Credit Suisse, Synergy Consulting), Brijesh Samantaray (IIT Madras,

HSBC), Akshay Loya (IIT Madras, Ashok Leyland), Victor Senapathy (IIT Madras, FMS Delhi, Deutsche Bank), Dr. S.

Ravi Shankar (IIT Madras, IISc, Siemens, Motorola, Conexant) and Shruti Sinha (Oracle, ICICI, American Cap

Propelld

CRED is an exclusive community for India’s most trustworthy and creditworthy individuals, where the members are rewarded for good financial behavior. CRED was born out of a need to bring back the focus on a long-lost virtue, one of trust, the idea is to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behavior to create a utopia where being trustworthy is the norm and not the exception.

To build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true.  Here's a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner? answer: you get something close to what we have at CRED; CRED just has it better.

Glassdoor

Trustpilot

CRED

At NiYO, we are focused on creating banking that is simpler, smarter and safer for our customers by simplifying finance with technology. We build innovative, best-in-class solutions in partnership with banks to make digital banking more accessible, attractive and secure across market segments.

Founded in 2015, today we have about 500 employees spread across our offices in Bengaluru, Mumbai and New Delhi. We have so far raised $49.3 Million in funding after completing our Series B, and have over 2.5 million customers across our product lines.

- NITI  AAYOG-AEGIS GRAHAM BELL AWARDS 2019 (Fintech Category Winner)

- ET BFSI Innovation Tribe Awards 2020 (Financial Inclusion Initiative of the year , Most innovative fintech product)

- AWS Startup Architecture Challenge 2020 (India Finalist)

- Tracxn Emerging Startup Awards - 2020 (Top finance & accounting tech startup)

- NASSCOM Emerge 50 Awards - 2018 (Top finance & accounting tech startup)

- National Awards for excellence in financial services marketing - 2020 (Most innovative fintech product, financial inclusion initiative of the year)

- UK Fintech Council Startup Accelerator Program (Selected as Winners Financial Inclusion Category)

- Vinay Bagri – Founder & CEO (India’s top 30 fintech influencers by Fintech Singapore)

This year we've also won awards for NiyoX (top fintech product, marketing campaigns, etc.)

Niyo

Advantage Club is India'slargest Corporate Employee Benefits Platform. Founded by alumni of UCLA, Amazon, and Microsoft. Our major verticals are Corporate Perks, Rewards & Recognition, and financial solutions. 

We are currently partnered with 250+ corporates, including Concentrix, RBS, Fidelity, Walmart, Amazon, etc., whose employees are offered exclusive privileges through our 10,000+ brand partners across categories.

Advantage club is leading the employee benefits market in India which is pegged at $2 billion and growing. Advantage Club has raised $6.7 million to date from prominent VCs like GrowX, Sprout, and Axilor Venture.

Advantage Club

Rupeek is India’s fastest growing asset-backed digital lending platform. Rupeek is on a mission to solve credit needs of households and small and medium businesses in India. More than 90% of Indians don’t have access to formal credit. Unsecured credit is expensive and has limited availability. On the contrary, 95% of Indian household net worth is in some form of assets. Rupeek’s technology led platform enables customers to get credit against their assets making credit accessible to the masses in a fair and convenient manner.

Rupeek started its journey with a focus on gold as an asset. Indian households have a unique relationship with gold holding over 25,000 tonnes. Only 5.5% of this gold is used to obtain formal credit due to friction involved in the process of getting credit and fear of losing gold. Rupeek solved this problem over the last 5 years by providing doorstep gold loans and transformed the way gold loans are disbursed in India. More than 1 lac customers who were earlier resistant to getting gold loans now use Rupeek’s digital platform to avail credit. Gold loan category alone is estimated to be at 20B USD in annual disbursement. This is just a start and Rupeek intends to launch many more financial products spanning across multiple asset classes in near future. 

Founded in 2015 by Sumit Maniyar, Rupeek is present in over 25 cities in India and has touched over 1,00,000 customers. Headquartered in Bangalore, Rupeek's investors include Sequoia Capital, Accel Partners, Bertelsmann and GGV Capital.

Rupeek

Fi is a neobank for the working professionals of today. It comes with a smart, zero-balance savings account and features that help you get better with your money.

Our mission is to help our users demystify their finances, maximize their savings and spend intelligently. We are building a highly secure - hub - a savings account that allows you to consolidate your finances in a single intuitive view.

EpiFi

Through India’s largest revenue-based fintech startup, instead of paying fixed EMIs to banks or diluting equity to VCs, businesses can now raise capital from Klub and simply pay a percentage of revenue. It is:

Fast: Companies apply online on our app in <20 minutes and get a term sheet in 48 hrs!

Fair: By relying exclusively on data and metrics, we take bias out of decision making

Flexible: Companies pay a percentage of revenues. They can choose anything from INR 200k to INR 20 mn. based on their metrics and needs

Founder-friendly: No pitch decks, no personal guarantees, no equity dilution, no board seats

All of this makes Klub the most scalable capital partner - with capital support that grows with our portfolio companies.

Post our beta launch a year ago, the company has grown by leaps and bounds with 270+ investments and collaboration with brands such as:

Raised our latest funding in August 2021 from GMO (Japan), and Alter Global (USA). Launched funds worth $30 mn. in December 2021.

Klub

Kissht is a fintech digital platform with a vision to provide speedy and hassle-free credit financing across India.

It aims to radically change the end-to-end customer experience while  making them financially independent and literate as part of revolutionizing banking for smartphone-wielding Indians.

Provides ease of access to instant personal loans when making e-commerce purchases

Cuts down the hassle of taking a small purchase loan down to zero.

Leverages a highly untapped market of those customers without a CIBIL score by using our proprietary Kishht score to onboard them instead.

Kishht is predominantly active in the following areas:

In addition, it streamlines online shopping for 50k+ affiliated partners across Amazon, Flipkart, Carat Lane, MakeMyTrip, Uber, and many more.

Kishht is founded by CMU, Yale, IIT Mumbai, and IIT Delhi graduates who previously built innovative trading solutions, risk/credit management solutions and strategies at varied institutions  like McKinsey, key Indian banks, US Hedge Funds, and growth-driven payment start-ups.

We are engaged in the business of merchant acquisition/tie-ups, development of credit gateway technology via proprietary software/algorithms, and credit marketplace platform for provisioning of instant consumer loans.

Kishht

Backed by a World Bank subsidiary, Mintifi is a one-stop accounts receivables management solution that will not only enable instant monetization of your receivables but also provide an array of smart supply chain solutions, from invoicing and collections to risk management and recon!

Catering to 250+ cities pan India, Mintifi will help scale your business to great heights by solving your supply chain woes. Gain access to more customers and spread your distribution across tier 2/3 markets with your very own finance partner!

Founded in 2017, Mintifi has already created a stir in the market by introducing automation in an otherwise traditional and largely manual lending space. Mintifi is backed by International Finance Corporation (an arm of the World Bank), Lok Capital, and Growth Catalyst Partners.

Mintifi

Tazapay is Singapore-based B2B payments startup backed by Sequoia & Saison Capital, enabling small and medium-sized businesses (SMBs) conduct cross-border commerce securely.

Tazapay provides accessibility to essential financial technology tools and services on its platform, eliminating current trust barriers that SMBs face in cross-border trade and payments.

Lack of trust is one of the biggest inhibitors for B2B cross-border business, Tazapay is here to rebuild that trust as their platform will enable access to various services for conducting  cross-border trade safely, such as payment protections via escrow, formalizing trade agreements with digitally signed agreements and counterparty risk assessment.

Our goal is to enhance trust in the trade process so that SMBs feel confident about doing more business with overseas counterparties.

Tazapay

smallcase is a wealth management startup that focuses on equity-based investing in India. These are a new class of investment products: they’re transactable baskets of ETFs that are simple, transparent, and relevant building blocks for every portfolio.

We have orchestrated a fast-growing partner ecosystem around smallcases with 300+ businesses in the capital market space, including some of the largest brands and respected institutions.

smallcase

Planful is the pioneer of financial performance management cloud software. The Planful platform is used by the Office of the CFO around the globe to streamline business-wide planning, budgeting, consolidations, reporting, and visual analytics. Planful empowers users to plan confidently, close faster, and report accurately. More than 1000 customers, including Boston Red Sox, Del Monte, TGI Friday's, and 23andMe, rely on Planful to accelerate cycle times, increase productivity, and improve accuracy across the end-to-end FP&A process. Planful is a private company backed by Vector Capital, a leading global private equity firm.

Planful

At WeRize, we are creating a new category in the Indian financial services space. We are building India’s first socially distributed full-stack fintech platform for middle-class families in tier 2-4 cities. The financial needs of small-city India have been largely underserved since traditional players, and even fintechs are unable to properly serve this segment. 

WeRize is a full-stack provider, both manufacturing and distributing a wide portfolio of customized credit, insurance, and savings products for 300Mn individuals spread across the 4000+ Tier 2 to Tier 4 towns. This $200 Billion market expects a very different product set as well as distribution model which traditional private banks, insurers, and mutual fund companies are unable to provide. The economics of these products as well as operating in small cities for traditional companies, is unfeasible due to their high-cost branch-based distribution model.  

Families in small towns require high-touch sales/after-sales service, which can only be profitably provided using a social distribution model. The entire Indian fintech ecosystem is geared towards building DIY apps that help customers choose the right financial products for themselves. However, this approach doesn’t work for small-town families as they need high-touch sales and after-sales. Additionally, due to lower ticket-size/conversions vs tier-1 city millennial customers, digital CAC unit economics don’t work, leading to fintechs staying away from this superb segment Using the “Social Shopify of Finance” platform, WeRize has enabled thousands of financially literate freelancers in 1000+ cities to sell its financial products in their social circle. This solves trust issues as well as provides high-touch sales/after-sales.  

Werize is the only Indian fintech platform/financial services player that has been able to distribute financial services through freelancers without any of its own feet-on-street/local branches. Our freelancers in 1000+ cities are managed only through Werize proprietary tech platform. This enables superb scalability and low CAC/ops cost=> highly profitable business model.

WeRize

We are building this exciting product in the space of micro wealth management for GenZ and Millennials. 400+ Million people are waiting to be financially literate, learn to save, and make smart investments one step at a time. That's what India is right now and we are doing everything to ensure that it happens. A financially literate young population is potent enough to change the world.

We are here to help Indians to rediscover savings in times of instant gratification, inflation, and the never-ending need for assimilation into the western philosophy of consumerism.

We are building a micro wealth management platform with small steps at a time, starting with micro-savings, financial literacy and then to the glory of micro investments.

Building India's largest financial products distribution company

Bringing a landslide shift in the $300B+ Financial products market in India. GroMo is a Y Combinator (YC21) backed Series-A startup having raised $12M+ in funding.

We have backing from several large international funds and notable angel investors such as SIG, Kunal Shah(CRED, Freecharge), Ramakant Sharma(Livspace), Alok Mittal(Indifi, IAN), Nitin Gupta (Uni, Founder PayU), Utsav Somani (Angel list India, iSEED), Niraj Singh (Spinny), Ashish Sharma, and many more.

Both co-founders, Ankit and Darpan, are from IIT Delhi and have entrepreneurship experience in the tech space itself and have built (and sold) successful companies in the past

Our team comprises dedicated ex-entrepreneurs and mavericks who have a passion to build great things and change lives, with varied experience in companies such as Flipkart, Spinny, Policybazaar, Aviva Life, Snapdeal, Oracle, Housing.com, Unicommerce, Lambda Test, and many more...

GroMo

At Zerodha Fund House, we are enabling the next generation of Indian investors. We feel mutual funds as a product need to be re-imagined to build simple & relevant investment solutions for the next 10 crore individuals to participate in and grow the capital markets in India. We are building the founding team and are looking for smart and passionate people to join us.

Zerodha Fund House

OkCredit is a mobile-based solution for small business owners and their customers to enable the recording of credit/payment transactions digitally all across the country.

OkCredit provides merchants with a simple and reliable means of keeping credit and payment records for their business carried out on a credit basis. It digitizes their transactions and records payments reducing the burden of maintaining and accounting paper account books. The ability to provide on-demand visibility of the merchant's record to the customers is possible for the first time.

OkCredit

Setu’s APIs and software is used by hundreds of businesses to reimagine onboarding, payments, deposits, lending, and data empowerment for their end customers. Setu’s mission is to accelerate economic growth by making formal finance accessible to all.

Setu | A Pine Labs Company

Refyne is India’s first &amp; largest Earned Wage Access (EWA) platform. We partner with organizations to enable their employees to retrieve their earned but unpaid salary whenever they need it. Quite simply, we’re reducing the month-long wait to

We started Refyne with the mission to empower the Indian workforce to adopt financial wellness and model their lifestyle around it. Attaining real-life financial inclusion lies at the heart of our goal, fuelled by the drive to achieve positive social impact.

We aim to enable people by bringing transparent, accessible &amp; affordable means to finance right in the palm of their hands. We’re not a loan app. Refyne’s app lets users track, spend and save their real-time earned pay anytime, any day, driven purely by their needs. We believe this access is every employee’s right.

Refyne helps users understand their spending patterns, make wise choices with money, keep their debt in check, all while using the most sophisticated yet simple technology to keep them on top of their finances.

Refyne helps users avoid high-interest payday loans &amp; microlenders, debt traps and build financial resilience. Our highly scalable platform enables employers to proactively ensure their workforce’s financial wellbeing and puts employees in the driver’s seat to control their financial position. Refyne is building a sustainable financial future, encouraging everyone’s participation in the formal financial ecosystem.

Refyne

TerraPay builds payments infrastructure globally, providing a B2B real time cross border payments service for mobile wallets and bank accounts; as well as transaction processing, clearing and settlement services for regional and domestic faster payment systems. Our best-in-class technology serves as the interoperability engine that enables our partner's customers to send and receive real-time transactions across diverse payment instruments, platforms and regions. We believe in the power of the mobile to transform financial inclusion, and are building the digital payment infrastructure to fulfil our vision of being able to send money to any mobile.

TerraPay

Incorporated in 1998, Ashv is a tech-led NBFC empowering small and emerging businesses in India. It aims to minimize financial barriers and maximize growth for deserving businesses.

We provide collateral-free, flexible financing and our products are uniquely designed to serve the financial requirements of Indian MSMEs in order to unlock their growth potential.

Ashv Finance empowers MSMEs and Small Businesses of India with loans, designed to unlock their growth potential

Above all these, there will be reimbursement of mobile charges and variable pay based on performance.

Vineet Chandra Rai

Ashv Finance

Round 1

Round 2

A 60 mins long technical round with the Engineering Head

Round 3

Discussions on the work culture and whether you values align with the company values or not

Ashv Finance Program Manager

Program Manager

Round 4

If everything goes well, then CTC and joining discussion is carried out in this call

Ashv Finance

Investors

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