eSthenos Product Pitch

eSthenos is an award winning, efficient & customer centric fin-tech platform trusted by well known financial institutions. eSthenos offers ‘designed by users’ CRM, Loan Origination System, Lead Management System, Underwriting Platform, Business Intelligence & Analytics Platform for Banks | NBFC | MFI | FI

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eSthenos Technologies Pvt. Ltd.

2. eSthenosisanefficient&customercentricfin-techplatformdedicatedtoFinancialInstitutions.
eSthenosoffers‘designedbyusers’CRM,LoanOriginationSystem,LeadmanagementSystem,
Underwritingplatform,BusinessIntelligence&Analyticstoolwhicharehighlyscalable&customisable
bydesignandenablesUserstoachievehighproductivityintermsofbusinessnumbersandthusreduces
costofacquisitionbyasubstantialmargin.
About eSthenos
Few endorsements
500+
9
600+5,500+
30+
Locations
Users
Partners
Cross sale products
Monthly
business
sourcing
(in INR Cr.)

3. The Platform
.
.
.
.
.
EasyUI&UX,Multi-lingual
support,real-timenotification
forUser’sandSupervisors,Zero
systemlevelTAT,Real-Time
ManagementDashboards
IncreasedProductivity&
Reduced TAT drives
incrementalbusiness,Real-
TimeDataaidsManagement
Decision,Positiveimpacton
P&L.withIncreasedIncome
andCostReduction
HighlyScalableandFlexibleLOS,CRM,
Underwriting,Monitoring&Analytical
platformwhichcanhandle~5,000hits
/second&millionsofapplications.
Integratedwith3
rd
partyService
Platforms[Creditbureaus,Aadhaar,
KYC,CBS,CreditAssessmenttools
etc.]
Highuseracceptancedueto
designedforUser’sbyUser’s
model.Completefieldprocess
coveredonhandheldtoremove
paper&expeditethe
onboardingprocess.
Product
Platform
Partners/User
Performance
~24X7
uptime
Cloud/
Hybrid
installation
Bank grade
security
Data
encryption
on the go
Highly
scalable
Survey
Member
onboard
ing
E-KYC
Credit
Bureau
Field
Training
Guarant
or
Tele
verificati
on
Loan
originati
on
Repaym
ent
LUC
Note: ~24X7 uptime is for cloud installation

4. Product Lines & Future Roadmap
gravity’isLOS,CRM&Underwritingplatformforgroup&
individualloanswhereallfieldlevelactivitieshappensoverAndroid
basedapp&officerelatedactivitiesoverwebbasedplatform
FoS’isLOS&CRMplatformforSmall&MediumSizebusiness
loans,Housing&LAPwhereuserorganizationcanhavemultiple
levelsofscrutinyatfieldandatofficelevel,beforefinalsanction.
‘honor’isacollectionmanagementplatformwhichoffervarious
sourceofcollectiononasingleplatform
‘Banyan’isbusinessintelligence&analysisplatformforBanks,BC
integrators,NBFCsetc.
‘rightturn’isLOS&CRMplatformforVehiclefinanceloans,where
2levelsofruleenginebasedUnderwritingenablesUser’stooffera
loanunder30minutes.
Currentpresence-India
Underdiscussion-Nepal
Exploring-Cambodia,Myanmar&Vietnam
AnalyticsplatformBanyanoffers
oAcompleteinternalfrauddetection&
deterrenceusingDeeplearning&AI.
oTurboleadgenerationenginewhich
usesFAILapplicationasbase.
Intesting
oVehiclefinanceplatform
Outreach&Expansion
Note: All the products & platform is conceived, designed, developed & owned by
eSthenos Technologies Pvt. Ltd.

5. Process flow

6. Impact-Case Study-Client
NBFC
-
MFI
oAUM~INR 2,150 Cr.
oAmong top 10 in the country
oOperation in 9 States
o2,500 users
oComplete automation Including
bank partnership
Applicationsourcedper
Salesman
TATperapplication
Disbursementpermonth
Timetakentoknowdo-
ability
Management
information/visibility
Fieldforceperlocation
106
5 Days
INR 110 Cr
Real-time
Real-time
5
40
12 Days
INR 60 Cr
3 Days
Not available
6
Metrics Before After
INR 536 crAUM
Dec-15
~INR 1,000 crAUM
Mar-17
~INR 2,150crAUM
Mar-18
+50%
•Productivity
increase
+50%
•TAT
Decrease
100%
•Automation
Positive
•Cost
reduction
Positive
•Topline
Increase

7. Critical features
oOnline&OfflineSupport
oIntegratedCreditBureau[Equifax-Highmark-CIBIL]
oIntegratedeKYC[OTP-Fingerprint-Iris]
oMultiLanguageSupport
oCrossverification-Neighborschecks
oBrandedDisbursementKit
oCashflowAnalysis
oAutoGeoLocationTaggingatvariouscriticalpoint
oAlgorithmbasedAutomatedUnderwriting
oMeetingScheduling
oMultiplehierarchysupport
oAudittrail
oPartnerwisesales,performance&businesstracking
oSingleviewdashboardforallthepartners
oIndividualloansFlow
oCollectionModule
oSMS/PushNotification
oAutoPopulatePreviousCustomer
oCollectionRouteplanner
oCustomerNotificationofloanstatus
oSecondcycleloansupport&alarm
oCrosssalesupport
oLMSintegration
oRealtimedashboards
oReports
oDisbursementthoughAPIbanking
Helping more than
5,500 active users to do
business with ease
Reducing waiting time
for more than 3,00,000
customers
Saving around 6L
A4 size paper
Bringing more
than INR 400 cr.
to the needy
Saving 100s of trees
to have a green & clean
environment for all
Social & environmental impact…every month

8. Team
TeameSthenos
✓TeamcomprisesofAlumnusofIIT/NIT
✓HavingpastexperiencewithIndianUnicornStart-ups
✓ExtensiveexperienceinBig-data,Banking&Microfinance,CloudComputing&
LargescaleInfrastructureimplementation&Management
Aniket is having 11+ years of experience across various
industries, financial services, technology and supply chain.
Before eSthenos, he was leading Product & Operations teams
for India Value Fund's(IVF) portfolio companies in the
Microfinance & Financial Services Space. He is an alumnus of
IRMA
Vijay has 9+ years of experience in the banking & financial
services space. Before eSthenos, he was part of the Treasury &
Financial Planning team for India Value Fund's(IVF) portfolio
companies in the Microfinance & Financial Services Space. He
has done his Masters in Management from Welingkar Institute,
Mumbai & has cleared all levels of CFA, US
Dinu is having 11+ years of experience in running and
delivering large IT projects. In his last assignment, he was
working with Thoughtworks, as part of its Banking Digital
Transformation team. He is an alumnus of KJ Somaiya,
Mumbai
Siddharth is having 10+ years experience in the field of
Capital markets and Investment Advisory & a serial
entrepreneur. A CHARTERED WEALTH MANAGER®
(CWM®) and alumnus of Welingkar institute ,Mumbai

9. eSthenos Technologies Pvt. Ltd.,
2151, 2
nd
Floor, HAL 2
nd
Stage,
17
th
Main, Opp. Indiranagar BESCOM,
Bengaluru [India] 560 008
www.esthenos.com
[email protected]