copy of olly biz deck_02-17

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  1. 1. ceo@getolly.comDIGITAL CREDIT APP DIGITAL CREDIT APP
  2. 2. ceo@getolly.comDIGITAL CREDIT APP A digital credit app for Indias working masses Olly is a mobile first credit app for millennials & shared economy workers with a dynamic credit limit around AI-based underwriting
  3. 3. ceo@getolly.comDIGITAL CREDIT APP ONLY 7%of Indias middle class have credit cards: a) Banks focus on the creamy layer b) Millennials dont have a credit score Source: consumer credit report for 2016 c) They are app users & hate bureaucracy
  4. 4. ceo@getolly.comDIGITAL CREDIT APP 90Million potential 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
  5. 5. ceo@getolly.comDIGITAL CREDIT APP Opportunity The 21 34 age group Low on default/ High LTV 48.8 Million SMBs + Shared economy workers OLA = 6,00,000 Drivers Delhivery = 40,000 delivery workers
  6. 6. ceo@getolly.comDIGITAL CREDIT APP Get credit in 180 seconds 1. Download the app 2. Share minimal details 3. Validate email and phone number
  7. 7. ceo@getolly.comDIGITAL CREDIT APP CIBIL SCOREREPAYMENTS 16 100% IN TIME TRANSACTIONS 240
  8. 8. ceo@getolly.comDIGITAL CREDIT APP Risk assessment: Olly AI Geo tracking Workplace rating Career Progression Institutional Underwriting + Track Behaviour Patterns
  9. 9. ceo@getolly.comDIGITAL CREDIT APP Keep sharing & increase credit limit KYCs
  10. 10. ceo@getolly.comDIGITAL CREDIT APP Lender dashboard: Transactional data User data
  11. 11. ceo@getolly.comDIGITAL CREDIT APP Compliance Ready + Lender Processor
  12. 12. ceo@getolly.comDIGITAL CREDIT APP Traction Revenues Successful Pilots CEOs Radi Walla MBA Std MBA Std
  13. 13. ceo@getolly.comDIGITAL CREDIT APP Ollys Business Model 1. Revenue share with lender 2. Dashboard subscription Also, we share the risk
  14. 14. ceo@getolly.comDIGITAL CREDIT APP Competitive landscape and competitive advantage Startup VS Incumbent
  15. 15. ceo@getolly.comDIGITAL CREDIT APP Team Ashwin Product | Tech | Business Ringaile Product | Design Abdulaziz Software Development Tony Software Development Momen Software Development
  16. 16. 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%
  17. 17. 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
  18. 18. ceo@getolly.comDIGITAL CREDIT APP B2B2C Sales Process OLLY TEAM SMB EMPLOYEE DATA EMAILS TO EMPLOYEES
  19. 19. ceo@getolly.comDIGITAL CREDIT APP Previous raise Rs.62L Founders Rs. 38 L from Startup Chile / angel investor & Rs. 25 L founder's contribution
  20. 20. ceo@getolly.comDIGITAL CREDIT APP Existing raise Rs.2.4CR Rs. 70 L committed from Jaarvis / other angels
  21. 21. 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
  22. 22. ceo@getolly.comDIGITAL CREDIT APP Awards and Recognition
  23. 23. ceo@getolly.comDIGITAL CREDIT APP DIGITAL CREDIT CARD APP Ask us for a demo