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 h…
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 v…
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…
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 …
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?
Upstart recently filed for IPO. Here's our take on product, growth, competitors, business moat, and valuation.
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 ov…
There are 5 areas in a lending business - product, acquisition, underwriting, debt capital, and compliance. I share how founders can build a business b…
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…
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 v…
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 …
I wrote this article in 2016 based on my observations of the fintech ecosystem at the time. It turns out to be more true than ever. China and India are…