Greenfinch Global Consulting
Unified Lending Service Utility
Revolutionising Financial Services
- Founded by Mr. Sushil Kumar Agarwal, a renowned leader in the BFSI domain, Greenfinch Global Consulting (GGC) is an innovation born out of exemplary vision, expertise & experience.
- GGC aims to revolutionize the Indian Lending Industry with a groundbreaking unified lending services utility.
- Our one-of-a-kind offering integrates field services across multiple domains with cutting edge technology platform, serving key requirements of lending institutions such as Banks and NBFCs at a Pan-India Level.
Current Industry Landscape
- Loans worth 1 Lakh+ Cr processed annually by Financial Institutions (FIs)
- 12-17% of loan amount is spent on processing of a loan.
- 15000+ small local vendors cater to FIs’ requirements in addition to the in-house teams.
Services Required by FIs for Loan Processing & Management
Credit & Background Check
Field Investigation
(Credit History, Identity Verification, Employment Proof GST/ITR etc.)
Platform Offerings
Property Valuation
Legal Check & Title Search
Post - Loan
Collections
In-house team & external vendors both pose significant challenges & inefficiencies
Concerns with In-house Team
Utilization
Not enough volumes apart from Tier 1 locations
P&L Impact
Income amortised but not expenses impacting Bottom Line*
Concerns with Outsourcing to Local Vendors
Quality
Lack of experience, knowledge & SLA levels
Governance
No systems and controls in place at vendor’s level
Time to Scale
New vendors need to be identified before opening any branch
Efficiency
Technology not leveraged at vendor level
Control
Vendor Management done typically at local branch level
Revolutionary Solution through GGC
Strong bottom-up experience, years of execution excellence, financial prudence & visionary outlook has been the genesis of GGC, which not only provides one-stop solution to all of industry concerns but also additional value through its offerings.
Platform Offerings
Field Services Credit FI, Technical Valuation, Legal Check, Collections
Augmented Checks through API services for Identity, Banking & ITR, Credit History, Fraud Risk, etc.
Value Added Services such as Green Home and ESG Consultancy
Field Services Credit FI, Technical Valuation, Legal Check, Collections
Differentiating Factors for GGC
Experienced Team
Pan-India Distribution
World-Class Technology
Governance Framewor
Execution Excellence
Led by Unmatched Experience (1/2)
Mr. Sushil Kumar Agarwal
Founder & Managing Director
- 20+ of rich experience in the financial industry as an entrepreneur and leader with forte in creating & running different businesses with top-class execution.
- Ex-Founder MD & CEO of Aavas Financiers Ltd., a publicly-listed affordable HFC, taking the company to 15000 Cr AUM under his leadership
- Prior experience in senior leadership roles with AU Small Finance Bank, ICICI Bank Limited, and Kotak Mahindra Prime Limited
- Awarded “EY Entrepreneur of The Year 2020” in the Financial Services category.
- CA Gold Medalist and Merit Holder | Qualified Company Secretary
- Completed Owner/President Management Program (OPM) from Harvard Business School
- Chapter Chair of Young President Organization (YPO), Rajasthan Chapter.
- Forte in creating & running different businesses with top-class execution.
Led by Unmatched Experience (2/2)
Mr. Abhishek Tiwari
CEO, GFGC
Mr. Arvind Tungaria
COO, GFGC
Mr. Amit Dass
CEO, GREEC
Mr. Apurv Bordia
CTO, GFGC
Mr. Naveen Sharma
CIO
Pan-India Distribution
GGC aims to have a unique pan-India setup unheard of in the vendor ecosystem which will help FIs
- To reach under-penetrated locations,
- To scale up with speed and low cost &
- To manage a single vendor centrally for all locations with control, transparency & ease
- To have standardized process, quality and reliability across locations
14000+ Pin Codes to be covered through 186 Locations
19 Regional HQs
31 Branch Offices
136 Last-Mile Service Point
14000+ Pin-codes Coverage
As of today, GGC is already present in 10 states with the Valuation service and will be expanding to 5 states in the coming months.
Presence in 10 states
Rajasthan
Haryana
Uttarakhand
Delhi & NCR
Karnataka
Madhya Pradesh
Uttar Pradesh
Gujarat
Maharashtra
Punjab
Upcoming presence in next 3 months
Tamil Nadu
Telangana
Andhra Pradesh
Orissa
Chhattisgarh
World-Class Technology & Governance Framework
- GGC has partnered with Deloitte for developing a best-in-class platform for its services.
- The platform is being developed with the industry-leading platform Salesforce at its heart integrated with multiple software and API services.
- This will enable GCC internal team to work completely online in sync with real-time services and also help FIs digitizing their outsourced services through integration with the GCC system.
- With the aim of service excellence, the system architecture has been designed and benchmarked with the best service provider apps from across industries including Blinkit and Instamart.
- Additionally, the system is compliant with all regulations including Data Security, Data Privacy, IT, RBI and other regulations applicable for FIs from Day 1.
- With the system, FIs get complete transparency and tracking of their transactions with the comfort of meeting all data compliance requirements.
Execution Excellence
- GGC’s founding team has a proven track record of scaling businesses in the lending industry from incubation to large scale (over 1 lakh transactions)
- With the same experience, GGC’s corporate structure has been put in place from Day 1 to ensure effective execution, control and oversight.
- The structure reinforces SOPs, checks and balances essential for execution excellence in the domain and also provides multiple monitoring and escalation points.
Our Vision
- At GGC, our vision is to revolutionize the industry by creating new benchmarks of service and technology, along with solving a large governance & compliance problem of the industry.
- We aim to:
Introduce ‘Quick Commerce’ to BFSI
Un-paralleled TAT for onboarding & Services
- TAT for Field Services vis-à-vis distance from office
- Within 3 kms – 1 Hr
- Within 25 kms – 6-8 Hrs
- 25 to 50 Kms – 24 Hrs
- Above 50 Kms – 48 Hrs
- 1 Hr TAT for onboarding of FI Partner with initiation of service
- 1 Hr TAT for adding a service (available through APIs) on our platform and make it available to FI Partners
- 1 Hr TAT for any modifications handling
Build India’s Largest Consulting & Processing Capability
- One-stop solution provider for all services across India
- On Field and Online/Digital
- Strategic and Operational
- Process and Technology
- Focus on Execution with High Quality and Speed
- Additional Value to FI Partners based on learnings of the Leadership Team & Partners
- Aim to set-up a Global Consulting Center and grow to 1 Lakh+ employees with execution expertise across domains.
Disclaimers
- GGC or Greenfinch refers to Greenfinch Global Consulting Private Limited, its network of firms and related entities for the purpose of this Presentation.
- This presentation is intended for information purposes only, is shared on a confidential basis and is an expression of strategy that may be subject to change without notice. Recipients/attendees of this presentation agree that they will keep confidential all non-public information contained herein; and will not copy/reproduce/distribute this Presentation or information herein to any other party, , in whole or in part.
- Certain information in this Presentation has been obtained from third-party and publicly available sources. While such sources are reliable, GGC and its entities do not assume responsibility for accuracy or completeness of such information and does not undertake any obligation to update the information contained herein as of any future date.
- The information mentioned in the Presentation is subject to change without prior notice. The Presentation is for discussion purpose only and should not be assumed to be a complete description of GGC or to contain all the information required by potential partners.
- This Presentation contains certain performance goals and benchmark information related to GGC and its operations. Please note that actual results may vary. The Presentation also contains forward looking statements. Words such as “will”, “aim”, “vision”, “outlook” and other similar expressions are intended to identify such forward looking statements. Forward-looking statements are based on a number of assumptions as to future events that are inherently uncertain and subjective and no representation or warranty is made by GGC, its network firms and related entities to whether such assumptions or projections will prove to be accurate.
- None of GGC, its network firms or related entities shall be responsible for any loss whatsoever sustained by any person or entity by reason of access to, use of or reliance on, this material. By using this material or any information contained in it, the user accepts this entire notice and terms of use.
