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The "Success Story" Blueprint: How a Nepali Citizen Built India’s Largest P2P
This fintech platform disbursed ₹18,000 crore+ in loans and serves over 3 crore users across India.
In this episode, we sit down with Dipesh Karki, Co-founder & CPTO of LenDenClub, to unpack how a Nepali founder built one of India’s largest peer-to-peer lending platforms by focusing on systems, scale, and execution.
Born into a middle-class family of teachers in Khotang, Dipesh began his journey with a scholarship to study engineering in India. Instead of looking West, he chose to build in India leveraging proximity, market depth, and a rapidly maturing fintech ecosystem.
Today, LenDenClub has enabled ₹17,000–18,000 crore in loans, serves 30+ million customers, and is preparing for a potential IPO positioning itself as India’s first listed P2P lending platform.
What You’ll Learn in This Episode:
This episode is for founders, builders, students, policymakers, and anyone curious about how large-scale platforms are built, regulated, and sustained in the real world—especially from South Asia.
Timestamps
00:00 Intro
01:35 Why Nepal Feels Like a “Small Market”
04:05 Nepali Identity Beyond Political Borders
07:28 Choosing India Over Nepal for Education
09:20 First Job in Delhi & Early Career Reality
12:05 Moving to Mumbai & Entering High-Stakes Engineering
14:35 Birth of LenDenClub
16:35 ₹17,000+ Crore in Loans & National Scale
18:05 Serving 30 Million Customers
19:35 The Problem with Shadow Lending
21:15 Why Regulation Was Non-Negotiable
25:35 How AI Changed Credit Decisions
27:05 Judging “Intent to Pay” with Data
30:35 The Future of Banking Without Banks
35:35 Why Unsecured Lending Matters
38:35 India vs Nepal: Regulation & Ease of Doing Business
41:35 Why Building in India Is Easier Today
47:35 Staying Nepali While Building in India
51:54 Nepal Between the World’s Two Biggest Markets
58:35 Why Civic Sense Holds Countries Back
1:06:35 Turning Native Skills into Global Products
1:24:35 The Only Limitation Is the Mind
1:34:35 From Labor Economy to Creator Economy
Want to join us live in the studio as an audience member?
Fill out this form: https://forms.gle/xZi8yptyoxkkc6aa8
✉ Reach out to us at [email protected]
🎧 Listen on audio platforms:
https://www.podbean.com/eas/pb-32f7s-19cc50b
🎤 Host: Anup Ghimire
Founder of Doers Nepal
LinkedIn: https://www.linkedin.com/in/anup-ghimire-9366aa5a/
👥 Guest
Dipesh Karki
CTO @ LenDenClub
LinkedIn: https://www.linkedin.com/in/deepeshkarkee/
📲 Follow The Doers Nepal:
Instagram: / https://www.instagram.com/thedoersglobal/
Facebook: / https://www.facebook.com/thedoersnepal/
🎬 Production Partner: Viewfinders Production
Instagram: / https://www.instagram.com/viewfindersstudio/?igsh=MWlseDV5azB3Y3lsMw%3D%3D#
This episode is strengthened by Hama Steels and insured by Himalayan Everest Insurance
Facebook: https://www.facebook.com/share/1AGS33qQH3/
Instagram: https://www.instagram.com/hamasteel/
Facebook: https://www.facebook.com/himalayaneverestinsurance?mibextid=LQQJ4d&rdid=Ccm3aTE9zypUEi6B&share_url=https%3A%2F%2Fwww.facebook.com%2Fshare%2FariZHNDrbMn2vFse%2F%3Fmibextid%3DLQQJ4d#
Instagram: https://www.instagram.com/hei.com.np/
Need help building a high-quality podcast?
They’ve got you covered – from set design and shooting to post-production and guest curation.
📸 Wedding Dreams Nepal
Instagram: / weddingdreamsnepal
Website: https://weddingdreamsnepal.com
📞 Call: +977 9813657889
#doersnepal #fintech #startuppodcast #founderstory #p2plending
#NepaliFounder #startupjourney #digitallending #AIInFintech
#entrepreneurship #businesspodcast #futureofbanking
View all episodes
By The Doers Nepal
4.1
1010 ratings
This fintech platform disbursed ₹18,000 crore+ in loans and serves over 3 crore users across India.
In this episode, we sit down with Dipesh Karki, Co-founder & CPTO of LenDenClub, to unpack how a Nepali founder built one of India’s largest peer-to-peer lending platforms by focusing on systems, scale, and execution.
Born into a middle-class family of teachers in Khotang, Dipesh began his journey with a scholarship to study engineering in India. Instead of looking West, he chose to build in India leveraging proximity, market depth, and a rapidly maturing fintech ecosystem.
Today, LenDenClub has enabled ₹17,000–18,000 crore in loans, serves 30+ million customers, and is preparing for a potential IPO positioning itself as India’s first listed P2P lending platform.
What You’ll Learn in This Episode:
This episode is for founders, builders, students, policymakers, and anyone curious about how large-scale platforms are built, regulated, and sustained in the real world—especially from South Asia.
Timestamps
00:00 Intro
01:35 Why Nepal Feels Like a “Small Market”
04:05 Nepali Identity Beyond Political Borders
07:28 Choosing India Over Nepal for Education
09:20 First Job in Delhi & Early Career Reality
12:05 Moving to Mumbai & Entering High-Stakes Engineering
14:35 Birth of LenDenClub
16:35 ₹17,000+ Crore in Loans & National Scale
18:05 Serving 30 Million Customers
19:35 The Problem with Shadow Lending
21:15 Why Regulation Was Non-Negotiable
25:35 How AI Changed Credit Decisions
27:05 Judging “Intent to Pay” with Data
30:35 The Future of Banking Without Banks
35:35 Why Unsecured Lending Matters
38:35 India vs Nepal: Regulation & Ease of Doing Business
41:35 Why Building in India Is Easier Today
47:35 Staying Nepali While Building in India
51:54 Nepal Between the World’s Two Biggest Markets
58:35 Why Civic Sense Holds Countries Back
1:06:35 Turning Native Skills into Global Products
1:24:35 The Only Limitation Is the Mind
1:34:35 From Labor Economy to Creator Economy
Want to join us live in the studio as an audience member?
Fill out this form: https://forms.gle/xZi8yptyoxkkc6aa8
✉ Reach out to us at [email protected]
🎧 Listen on audio platforms:
https://www.podbean.com/eas/pb-32f7s-19cc50b
🎤 Host: Anup Ghimire
Founder of Doers Nepal
LinkedIn: https://www.linkedin.com/in/anup-ghimire-9366aa5a/
👥 Guest
Dipesh Karki
CTO @ LenDenClub
LinkedIn: https://www.linkedin.com/in/deepeshkarkee/
📲 Follow The Doers Nepal:
Instagram: / https://www.instagram.com/thedoersglobal/
Facebook: / https://www.facebook.com/thedoersnepal/
🎬 Production Partner: Viewfinders Production
Instagram: / https://www.instagram.com/viewfindersstudio/?igsh=MWlseDV5azB3Y3lsMw%3D%3D#
This episode is strengthened by Hama Steels and insured by Himalayan Everest Insurance
Facebook: https://www.facebook.com/share/1AGS33qQH3/
Instagram: https://www.instagram.com/hamasteel/
Facebook: https://www.facebook.com/himalayaneverestinsurance?mibextid=LQQJ4d&rdid=Ccm3aTE9zypUEi6B&share_url=https%3A%2F%2Fwww.facebook.com%2Fshare%2FariZHNDrbMn2vFse%2F%3Fmibextid%3DLQQJ4d#
Instagram: https://www.instagram.com/hei.com.np/
Need help building a high-quality podcast?
They’ve got you covered – from set design and shooting to post-production and guest curation.
📸 Wedding Dreams Nepal
Instagram: / weddingdreamsnepal
Website: https://weddingdreamsnepal.com
📞 Call: +977 9813657889
#doersnepal #fintech #startuppodcast #founderstory #p2plending
#NepaliFounder #startupjourney #digitallending #AIInFintech
#entrepreneurship #businesspodcast #futureofbanking