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Designing and building compliant credit products
How to take a new credit product you want to launch and build it in a compliant way. The product requirements need to translate to acceptable regulatory
Jun 2, 2022
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Rohit Mittal
9
1
June 2021
Reverse remote - the best hiring strategy
We've found that startups can build robust teams by relocating talent from non-competitive locations. It results in a strong and diverse culture with…
Jun 10, 2021
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Rohit Mittal
5
May 2021
Framework for building a credit startup
I will share 5 key steps to think about when starting a credit focused company. If you follow these steps, you'll increase your chances of building a…
May 17, 2021
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Rohit Mittal
9
February 2021
Calculating the true cost of a debt facility
As you scale a credit startup, raising a debt facility is one of the functions for the founders. It is still untractable for most. Learning it early in…
Feb 24, 2021
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Rohit Mittal
3
1
A guide to important terms in a debt term sheet
Raising a debt facility is complex but important. Founders don’t have clarity on the process or the terms. I'll share common terms you can expect in a…
Feb 15, 2021
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Rohit Mittal
6
2
December 2020
Affirm S-1 analysis: Is it a buy?
I reviewed Affirm's recent S-1 filing to dig deeper into their product, business model, and growth. Is Affirm a buy at the IPO?
Dec 7, 2020
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Rohit Mittal
4
November 2020
Analyzing Upstart's S-1 filing
Upstart recently filed for IPO. Here's our take on product, growth, competitors, business moat, and valuation.
Nov 30, 2020
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Rohit Mittal
6
Recasting incumbents in fintech
It's hard to topple banks and other incumbents in fintech. This is a framework on building fintech businesses that compete with banks and eventually…
Nov 16, 2020
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Rohit Mittal
2
October 2020
A brief guide to starting and building a lending business
There are 5 areas in a lending business - product, acquisition, underwriting, debt capital, and compliance. I share how founders can build a business by…
Oct 20, 2020
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Rohit Mittal
12
6
September 2020
The product expansion conundrum for fintech startups
It is difficult to start a fintech company. But it's even more difficult to scale and offer multiple products. In this post, I discuss the dynamics and…
Sep 30, 2020
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Rohit Mittal
4
2
Final 17 startups - YC S20 fintech companies (thoughts and trends) - Part 3
I discuss trends and my thoughts on fintech companies from the current batch. These are the last 17 fintech companies from Y Combinator's most recent…
Sep 8, 2020
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Rohit Mittal
3 things needed for a healthy consumer credit system
Again, in 2016 I wrote a post on what is needed for a country to build a healthy credit system. A fundamental infrastructure is important for building…
Sep 1, 2020
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Rohit Mittal
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