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ELI - 424 | Neha Juneja (Co-founder & CEO of India P2P - Microlending Fintech)
In this insightful conversation, we sit down with Neha Juneja, the Co-founder & CEO of IndiaP2P, to explore the world of peer-to-peer lending in India. Neha shares her entrepreneurial journey, starting from her early ventures in fintech and clean energy solutions to founding IndiaP2P, a platform that enables everyday individuals to lend directly to vetted borrowers and potentially earn high returns.
We dive deep into how IndiaP2P sources borrowers, the unique focus on women-led businesses, risk management strategies, and the importance of transparency in digital lending. Neha also provides valuable perspectives on the future of financial services in India, new opportunities for fintech entrepreneurs, and the broader role of entrepreneurship in societal development.
If you’re curious about P2P lending, financial inclusion, or are looking for inspiration on building impactful ventures, this conversation is a must-watch.
Timestamps:
00:00 Introduction to Neha Juneja & IndiaP2P
00:03 Meet Neha & Overview of IndiaP2P’s Model
00:42 Neha’s Background & Early Ventures in Fintech
01:19 First Venture & Lessons from the 2008 Financial Crisis
02:33 Building Greenway Grameen & Rural Market Insights
05:01 Understanding the Traditional Peer-to-Peer Lending Roots in India
06:20 Addressing India’s Credit Starvation & P2P as a Solution
09:57 Risk Management & Default Handling in P2P Lending
12:28 Diversification for Lenders & No Averaging of Defaults
13:04 Borrowers vs. Lenders Profile & Onboarding Process
15:01 Field-Agent Model & Underwriting for Small Women-led Businesses
18:08 Alternative Credit Data & Manual Verification Methods
20:35 Why Women Borrowers Are Underserved Despite Better Credit Scores
24:21 Interest Rates, Returns, & Transparency in P2P Lending
26:46 Regulatory Landscape & Ethical Lending Practices
29:48 India’s Shifting Credit Landscape: From Underserved to Over-extended
32:19 Opportunities in Fintech: Solving the Future Pension Crisis
34:23 Reflecting on Entrepreneurship & Building a Lasting Legacy
35:04 Closing Remarks & Best Wishes for IndiaP2P
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By Priya Ranjan MohantyIn this insightful conversation, we sit down with Neha Juneja, the Co-founder & CEO of IndiaP2P, to explore the world of peer-to-peer lending in India. Neha shares her entrepreneurial journey, starting from her early ventures in fintech and clean energy solutions to founding IndiaP2P, a platform that enables everyday individuals to lend directly to vetted borrowers and potentially earn high returns.
We dive deep into how IndiaP2P sources borrowers, the unique focus on women-led businesses, risk management strategies, and the importance of transparency in digital lending. Neha also provides valuable perspectives on the future of financial services in India, new opportunities for fintech entrepreneurs, and the broader role of entrepreneurship in societal development.
If you’re curious about P2P lending, financial inclusion, or are looking for inspiration on building impactful ventures, this conversation is a must-watch.
Timestamps:
00:00 Introduction to Neha Juneja & IndiaP2P
00:03 Meet Neha & Overview of IndiaP2P’s Model
00:42 Neha’s Background & Early Ventures in Fintech
01:19 First Venture & Lessons from the 2008 Financial Crisis
02:33 Building Greenway Grameen & Rural Market Insights
05:01 Understanding the Traditional Peer-to-Peer Lending Roots in India
06:20 Addressing India’s Credit Starvation & P2P as a Solution
09:57 Risk Management & Default Handling in P2P Lending
12:28 Diversification for Lenders & No Averaging of Defaults
13:04 Borrowers vs. Lenders Profile & Onboarding Process
15:01 Field-Agent Model & Underwriting for Small Women-led Businesses
18:08 Alternative Credit Data & Manual Verification Methods
20:35 Why Women Borrowers Are Underserved Despite Better Credit Scores
24:21 Interest Rates, Returns, & Transparency in P2P Lending
26:46 Regulatory Landscape & Ethical Lending Practices
29:48 India’s Shifting Credit Landscape: From Underserved to Over-extended
32:19 Opportunities in Fintech: Solving the Future Pension Crisis
34:23 Reflecting on Entrepreneurship & Building a Lasting Legacy
35:04 Closing Remarks & Best Wishes for IndiaP2P