Group 1- TOM Trade Joy Group assignment Ranchi

Group Assignment

1. Group 1 Assignment Case : ToTrade Q&A 12 April 2025 Service Operations Management (SOM), Term IV SOP: ToTrade Q&A Group 1 1

2. Meet our Group 1 Team Group Assignment of Service Operations Management Joydeep Sarkar XW012 Parameswar Panda XW015 Ajeet Kumar XW002 2 Rahul Kumar Jha XW018 Vipul Kaushal XW026

3. Table of Contents 3 1 According to Gulati network characteristic are measured by reach, richness and receptivity. Draw To trade SCF network structure and evaluate it reach, richness and receptivity. 2 What were to trade major supply chain finance capabilities? and how do these SCF capabilities affect its network characteristics. 3 How does ToTrade evaluate its SCF service performance? 4 What suggestions would you provide for to trade future SCF Efforts. SOP: ToTrade Q&A Group 1

4. 1. SCF network structure & Gulati Network Evaluation SOP: ToTrade Q&A Group 1 4 Reach (High)– Multiple Suppliers, Multiple Focal Companies, Downstream SMEs, FI, Insurance Companies, Risk Control Unit all available within network Richness (High-Medium): ToTrade to FI consists of Granting Credit, Data Sharing, Maturity Estimation. ToTrade to Platform Risk Control consists of Big Data Techniques. ToTrade to Downstream SMEs Credit Selling, Pay at Maturity. But ToTrade Lacks Logistics Providers which is critical for SCM. Receptivity (Moderate) : Trust and openness depends on data sharing in a two-way manner between ToTrade, FIs, and SMEs reflect active collaboration. But it is Tech Dependent, motivated by financing(SME), Selective Sharing(Focal Companies).

5. 2. ToTrade major supply chain finance capabilities and effect on network Characteristics SOP: ToTrade Q&A Group 1 5 SCF Capability Description Effect on Network Characteristic Credit Selling Model ToTrade purchases invoices from SMEs and pays them early while collecting later from focal firms. Increases Reach by attracting SME SME Centric Approach Focuses on serving smaller, credit-starved downstream SMEs in fragmented supply chains. Increases Reach by attracting multiple segments Multiple Financing Modes Offers traditional financing with FIs (Mode 1) and entrusted payments directly with ToTrade (Mode 2). Multiple participation based on trust and tech readiness Increases Reach & Receptivity: Gives FIs and SMEs options Data Driven Model using Big Data & Tech Integrates ERP, logistics, tax, and industrial data into decision-making and financing assessment. Increases Richness Risk Control Tech Use of industrial big data, AI and internal scoring models to assess risk and guide financing decisions. Increases Richness Credit Boost via Insurerance Partners ToTrade has Partnered with insurance firms to underwrite trade credit and reduce financial institution risk. Increases Receptivity: Builds trust among FIs and lowers perceived risk

6. 3 . How does ToTrade evaluate its SCF service performance? SOP: ToTrade Q&A Group 1 6 Method/Metric Characteristic and Measurement Criteria SME Financing Volume The number of SMEs got credit and amount disbursed. Credit Default Risk Control ToTrade uses platform data and AI to track repayment behavior and default rates. Credit Guarantee Utilization Evaluates the share of transactions covered by insurance or guarantees. Data Accuracy and Depth Measuring the reliability and comprehensiveness of industrial big data for decision-making. Focal Company Participation The number and engagement level of focal firms contributing trade and credit data. Financial Mode Used Comparing uptake and performance of financial institution-led vs in-house ToTrade-led financing models. Payment Timeliness & Loan Maturity Whether SMEs and focal firms meet payment schedules under credit selling arrangements. Value Chain Coverage Reviewing the extent of upstream and downstream integration across different supply chains.

7. 4. What suggestions would you provide for to trade future SCF Efforts. SOP: ToTrade Q&A Group 1 7 What Why Outcome Credit Risk Control Ensures creditworthiness of SMEs and prevents defaults by proactively identifying risk. From case we see use of big data for risk control but also need for deeper analytics. Increases Receptivity Data Protection With more data fed into system, data security and encryption becomes a need as well as a challenge. More focus on data governance will be needed. Increases Receptivity Improve Focal Firm Participation Focal firms’ creditworthiness drives trust across the SCF chain; their engagement is essential for data reliability and network richness. This is key to anchor SMEs & financiers Increases Richness FI Mode 2 Enrichment ToTrade will directly facilitate SCF services and capture more value instead of relying solely on third-party institutions. This reduces dependence on external institutions Increases Reach Customized Service for Industry Specific SME ToTrade to directly facilitate SCF services and capture more value instead of relying solely on third-party institutions. Increases Reach

8. Thank- You