Amit Jhanvar

Director, Unitus Capital


“Fintech alternate lending industry is in flux with regulatory and COVID headwind. With the RBI guidelines due shortly in the wake of the loan apps fiasco and industry starting to pull itself out of COVID effects investors are in general maintaining a cautious view on the industry. Within the various segments Embedded Finance has emerged as a new niche. While the industry has been impacted by COVID-19 the winners have been the ones which have focussed on credit quality and differentiated distribution play. We like the companies which have cleaned up their portfolio proactively and are now focusing on growth. As a de-risking strategy we also see more neo-banking plays emerge offering all asset classes as well as a raft of tech infra companies to support the fintech industry.“