The Indianaut Podcast Gautam Marwah

"India is at least half a decade ahead from most of the developing or developed countries in the financial services space."

Sabyasachi Goswami is the CEO of Perfios, a leading global SaaS company revolutionizing the fintech landscape. Founded in 2008, Perfios has made significant strides in credit underwriting solutions, expanding across 18 countries. Our guest is a luminary in the fintech world. With over two decades of rich experience in financial services, and the fintech space, he is a master strategist and executionist. His journey includes senior roles in retail and SME banking and a strategic function for a large multinational bank. With our guest at the helm, Perfios has raised $229 million in a new funding round as it looks to deepen its expansion in North America and Europe.

In this insightful episode, Sabyasachi shares the founding story of Perfios and discusses the company's focus on credit inclusion. He highlights the opportunities presented by India's digital public infrastructure and the account aggregator framework, which is set to revolutionize financial inclusion.

Sabyasachi also discusses the evolving fintech landscape in India and the unique opportunities it presents for innovation. He shares his insights on the next big opportunities in fintech. He also discusses Perfios' recent funding round and strategic plans for market expansion across the globe. He emphasizes the importance of creating and distributing wealth within the company and shares his advice for aspiring entrepreneurs in the fintech sector.

Timestamp Chapter Title
0:00:00 The Evolution of Perfios
0:08:00 Innovations in Financial Accessibility
0:10:26 Digital Infrastructure and Fintech Landscape
0:14:43 Fintech: Enabling Technology in Finance
0:17:27 Financial Inclusion and Collaboration
0:20:49 Combating Fraud in Financial Services
0:23:19 Growth Strategies of Perfios
0:29:25 Empowerment and Talent Recognition
0:35:00 Guidance for Aspiring Fintech Entrepreneurs

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🎙️ Discover some of India's next best analytical 🤖 and creative 🎭 minds who are not only transforming their own fields but at the same revolutionizing India's entrepreneurial ecosystem! 🛰️ New episodes every 2 weeks. ⁠⁠⁠⁠#TheIndianautPodcast​​​​⁠⁠⁠⁠ ⁠⁠⁠⁠#Indianaut​​​​⁠⁠⁠⁠

• Host: Gautam Marwah
• Editor: Pranav Suneja (⁠⁠⁠⁠https://www.instagram.com/pranav.eja⁠⁠⁠⁠)
• Intro Music: Ladybirds Mate by Rachel K Collier

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Do follow us on our social media handles for regular updates on the latest episodes.

• Instagram: ⁠⁠⁠⁠http://instagram.com/indianaut.in​​​​⁠⁠⁠⁠
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• Twitter: ⁠⁠⁠⁠https://twitter.com/indianaut​​​⁠⁠

"We want to build the most iconic lifestyle brand from India to the world."

Disha Singh is the Founder and CEO of Zouk, a D2C fashion brand that operates in the bags, wallets, and footwear categories. Bringing together the contemporary and the traditional, Zouk brings India's vibrant culture to the modern world through its design language.

Our guest started Zouk after experiences in the Fashion, Healthcare, Banking, and Energy sectors. The idea came to her during her MBA at IIM Ahmedabad, following her engineering degree.

In this delightful episode, Disha shares her journey of starting Zouk and her vision for its future. She explains how the idea for Zouk came to her during a college trip and how she identified a gap in the market for India-inspired designs with modern functionality. Disha discusses the importance of customer-driven marketing and how Zouk aims to connect with its customers through its brand ambassador, Sara Ali Khan.

"Sara [Ali Khan] embodies this whole messaging of...being Indian to the core, but modern in the way she leads her life."

She also talks about the recent opening of Zouk's first brick-and-mortar store and its expansion plans. She concludes by offering advice to aspiring entrepreneurs, emphasizing the importance of asking for help, finding mentors, and surrounding oneself with supportive people.

Timestamp Chapter
0:00:00 Zouk: Brand Origins and Vision
0:06:49 Strategic Brand Building and Market Expansion
0:12:16 Retail and Distribution Growth
0:16:24 Market Focus and Product Development
0:22:10 Entrepreneurial Journey and Challenges
0:27:23 The Importance of Mentorship and Advice

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🎙️ Discover some of India's next best analytical 🤖 and creative 🎭 minds who are not only transforming their own fields but at the same revolutionizing India's entrepreneurial ecosystem! 🛰️ New episodes every 2 weeks. ⁠⁠⁠#TheIndianautPodcast​​​​⁠⁠⁠ ⁠⁠⁠#Indianaut​​​​⁠⁠⁠

• Host: Gautam Marwah
• Editor: Pranav Suneja (⁠⁠⁠https://www.instagram.com/pranav.eja⁠⁠⁠)
• Intro Music: Ladybirds Mate by Rachel K Collier

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Do follow us on our social media handles for regular updates on the latest episodes.

• Instagram: ⁠⁠⁠http://instagram.com/indianaut.in​​​​⁠⁠⁠
• Facebook: ⁠⁠⁠http://facebook.com/indianaut.in​​​​⁠⁠⁠
• Twitter: ⁠⁠⁠https://twitter.com/indianaut​​​⁠⁠

Aditi Handa is the Co-founder and Head Chef of the Baker’s Dozen, India’s largest artisan bakery making breads, cakes, and more using natural ingredients. Started in 2013, The Baker’s Dozen is today present across 33 cities and 2,000 touch points in India. Aditi is a sourdough master, with a Diploma in International Bread Baking from the International Culinary Institute (New York) and a Diploma in Patisserie from Le Cordon Bleu (Paris).

In a world where processed and unhealthy bread dominates the market, Aditi and her team at The Baker's Dozen set out on a mission to create a good and honest product. What started as a simple idea in 2013 has now grown into a successful business with a presence in 33 cities across India. Aditi's passion for baking and her commitment to quality have been the driving forces behind the success of Baker's Dozen. In this episode, we will delve into Aditi's journey, the challenges she faced, and the steps she took to ensure consistent quality across all her products. We will also explore the company's adoption of an omnichannel approach and its commitment to sustainability.


Timestamp | Topic

0:00:00 Origins & Training
0:05:17 Commitment to Product Quality & Ingredients
0:08:58 Scaling & Channel Strategy
0:13:21 Business Insights & Market Strategies
0:18:20 Sustainability Initiatives
0:28:41 MBA & Perspectives
0:33:13 Expansion & Dynamics with Co-founder Husband
0:37:30 Advice for Entrepreneurs


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🎙️ Discover some of India's next best analytical 🤖 and creative 🎭 minds who are not only transforming their own fields but at the same revolutionizing India's entrepreneurial ecosystem! 🛰️ New episodes every 2 weeks. ⁠⁠#TheIndianautPodcast​​​​⁠⁠ ⁠⁠#Indianaut​​​​⁠⁠

• Host: Gautam Marwah
• Editor: Pranav Suneja (⁠⁠https://www.instagram.com/pranav.eja⁠⁠)
• Intro Music: Ladybirds Mate by Rachel K Collier

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Do follow us on our social media handles for regular updates on the latest episodes.

• Instagram: ⁠⁠http://instagram.com/indianaut.in​​​​⁠⁠
• Facebook: ⁠⁠http://facebook.com/indianaut.in​​​​⁠⁠
• Twitter: ⁠⁠https://twitter.com/indianaut​​​⁠⁠

Pranav Pai is the Founding Partner and Chief Investment Officer at 3one4 Capital. Pranav leads investments and portfolio construction at 3one4Capital. As CIO, Pranav has carved an extraordinary path in the realm of venture capital and startups, leaving an indelible imprint on ventures like Jupiter, CheQ, Licious, Open Financial Technologies, and Darwinbox. Driven by an unwavering commitment to nurturing innovation, Pranav has led more than 100 seed and venture capital investments, breathing life into ingenious concepts and shaping diverse industries across India.

Pranav graduated with a Master's in Electrical Engineering from Stanford University and has previously received the “35 Under 35” award from Entrepreneur Magazine, India, and the “40 Under 40” Alternative Investments Professionals of India award from AIWMI and the IAAIF. He was also on the GQ List of 25 Most Influential Young Indians 2020-21.

🎧 In this episode, we dive deep into a range of topics that shed light on Pranav's incredible journey:

🚀 Discover the pivotal moments that led to the creation of 3one4 Capital.

🔍Gain insights into 3one4 Capital’s investment thesis and learn about the critical factors that influence their investment decisions.

📚Pranav opens up about his personal philosophy and the valuable lessons he has learned from successes and failures as a venture capitalist.

💡As someone deeply connected to India's startup ecosystem, Pranav shares his observations about the changes he's witnessed over the years and his outlook on the future.

🎉Get a look into the success story of 3one4 Capital closing its fourth early-stage fund with $200 million, back in May 2023, and Pranav's unique approach to building and maintaining investor relationships.

✨Unveil the art of selling a startup to investors through the eyes of an accomplished investor.

💼Explore the sectors Pranav is particularly excited about and learn what makes them attractive for venture capital investments.

👥Delve into the powerhouse behind 3one4 Capital's investment decisions— the team. Discover how their collective expertise enhances the firm's approach.

🌟Last but not least, Pranav's advice for entrepreneurs will leave you motivated and inspired to take on your startup journey.

As we celebrated India's Independence Day this week, this conversation has an even more profound significance. Join us in exploring the essence of building and investing in India, narrated by Pranav Pai. Tune in and elevate your knowledge on the world of entrepreneurship. 🎉
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🎙️ Discover some of India's next best analytical 🤖 and creative 🎭 minds who are not only transforming their own fields but at the same revolutionizing India's entrepreneurial ecosystem! 🛰️ New episodes every 2 weeks. ⁠#TheIndianautPodcast​​​​⁠ ⁠#Indianaut​​​​⁠

• Host: Gautam Marwah
• Editor: Pranav Suneja (⁠https://www.instagram.com/pranav.eja⁠)
• Intro Music: Ladybirds Mate by Rachel K Collier

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Do follow us on our social media handles for regular updates on the latest episodes.

• Instagram: ⁠http://instagram.com/indianaut.in​​​​⁠
• Facebook: ⁠http://facebook.com/indianaut.in​​​​⁠
• Twitter: ⁠https://twitter.com/indianaut​​​⁠

Harsh Pokharna is the Founder and CEO of OkCredit. A YCombinator-backed organization, OkCredit is a digital ledger app for small and medium-sized businesses that facilitates the recording of transactions. OkCredit is available in over 10 local languages and has over 10 million downloads. Our guest did his B.Tech from IIT Kanpur in Mechanical Engineering in 2014.

In this incredible episode, Harsh shares his journey of starting OkCredit and addressing the need for credit recovery and reconciliation in MSMEs. He discusses the impact of YCombinator on the business and how they are approaching digital lending in a competitive market. Harsh also talks about the challenges faced by the Indian entrepreneurial ecosystem and how OKCredit is managing during this period. He reflects on past decisions and shares upcoming projects and initiatives.

OkCredit's journey has been filled with surprises and successes. Harsh shared a story from their early days, where they distributed their app through .apk files and relied on personal phone calls for onboarding. He recalled, "We saw that people were loving the product so much that they were sharing it with their friends over ShareIt when it was not available on the Play Store."


Harsh concluded our conversation with valuable advice for aspiring entrepreneurs. He emphasized the importance of understanding the long game and setting realistic expectations. He shared, "It takes at least seven to ten years to be able to build something in full scale, and there are so many challenges along the way." Harsh encouraged entrepreneurs to approach their journey with the right mindset and be prepared for the obstacles that lie ahead. He concluded, "Having the right expectations allows you to have the right state of mind and go in with the right mindset."

Don't miss this engaging conversation!
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🎙️ Discover some of India's next best analytical 🤖 and creative 🎭 minds who are not only transforming their own fields but at the same revolutionizing India's entrepreneurial ecosystem! 🛰️ New episodes every 2 weeks. ⁠#TheIndianautPodcast​​​​⁠ ⁠#Indianaut​​​​⁠

• Host: Gautam Marwah
• Editor: Pranav Suneja (⁠https://www.instagram.com/pranav.eja⁠)
• Intro Music: Ladybirds Mate by Rachel K Collier

~
Do follow us on our social media handles for regular updates on the latest episodes.

• Instagram: ⁠http://instagram.com/indianaut.in​​​​⁠
• Facebook: ⁠http://facebook.com/indianaut.in​​​​⁠
• Twitter: ⁠https://twitter.com/indianaut​​​⁠

Anish Reddy is the CEO and founder of Pursue, a Hard Seltzer brand with a high focus on quality, design, and individualism. A fourth-generation entrepreneur, our guest grew up in a family with varied business interests dating back to World War 2. Our guest holds an undergraduate degree in Accounting and Finance from Purdue University and an MBA from Babson College. Besides Pursue Seltzer, he also has various ventures and investments in the Web3 space.



In this exceptional episode, we delve into Anish's captivating origin story and explore what inspired him to start a seltzer company in India, setting it apart from other beverages. We uncover the intriguing story behind the brand name 'Pursue' and discuss the challenges faced in balancing tradition and innovation to thrive in this evolving industry. Anish also talks about Pursue's strategies for educating consumers and building brand awareness. We also gain a glimpse into Anish's vision for the future of the seltzer industry in India and how Pursue plans to stay ahead of the competition.



Don't miss this engaging conversation, where Anish also sheds light on the challenges of navigating the regulatory landscape for alcohol and offers advice for entrepreneurs venturing into highly regulated industries. Tune in for a dose of entrepreneurial inspiration and valuable insights!



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🎙️ Discover some of India's next best analytical 🤖 and creative 🎭 minds who are not only transforming their own fields but at the same revolutionizing India's entrepreneurial ecosystem! 🛰️ New episodes every 2 weeks. #TheIndianautPodcast​​​​ #Indianaut​​​​  

• Host: Gautam Marwah 

• Editor: Pranav Suneja (https://www.instagram.com/pranav.eja)   

• Intro Music: Ladybirds Mate by Rachel K Collier   



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Do follow us on our social media handles for regular updates on the latest episodes.  

• Instagram: http://instagram.com/indianaut.in​​​​

• Facebook: http://facebook.com/indianaut.in​​​​

• Twitter: https://twitter.com/indianaut​​​