InPrime Finserv
Soham Bhattacharya is a finance and strategy expert currently serving as a Founding Member at InPrime Finserv, where leadership in shaping the company's future takes precedence. Previous experience includes a role as a Business Consultant at Publicis Sapient, focusing on risk transformation for a major UK bank, and as a Senior Product Manager at PagarBook, where development of the financial services vertical was prioritized. Years at Ujjivan Small Finance Bank included founding and building the vehicle finance business unit, managing corporate strategy as a financial analyst, and overseeing treasury and corporate finance operations. Early career experience included a summer internship at IDBI Federal Life Insurance, coupled with an MBA in Finance and Marketing from the SDM Institute for Management Development.
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InPrime Finserv
‘Informal Prime’ as we christen this segment as, is an emerging horizontal segment within the informal economy. It originates from its progressive behavioral characteristics rather than pure demographic segmentation; And transcends across geography, livelihoods, and income levels. The manifestation of this segment is evident with customers exhibiting a growth mindset, making transitions from a cash to less cash economy, adopting digital solutions backed by a proven credit track record of several years. However, there is faint recognition of their progressive characteristics and consequently of their advanced financial needs. At InPrime, the aim is to recognize this sub-segment within the informal economy and carry forward the winning attributes of traditional lending and simultaneously leverage the modern lending practices focused on data, digital and technology. This, we believe can generate superior financial and non-financial outcomes without compromising on the core elements of lending which include- customer connect, engagement and risk management. We estimate that approximately 50 million households are part of this evolving segment with an incremental annual credit need of Rs. 5 lakh crores (70 billion USD). It will need a new category of institutions to cater to this massive emerging demand and we intend to be one of the early movers in this space.