Shivashish Chatterjee
CEO and founder of DMI Finance (DMI Group) and a guest expert on lending and NBFC business models, discussing balance-sheet lending and sector dynamics.
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Oct 2, 2025 • 1h 19min
What killed India’s first fintech lenders?
Shivashish Chatterjee, CEO of DMI Finance, and Arundhati Ramanathan, Deputy Editor at The Ken, delve into the rise and struggles of India's early fintech lenders. They discuss the contrasting business models of balance-sheet lending versus platform-based approaches. Arundhati highlights the challenges faced by ZestMoney's BNPL model, while Shiv explains how rapid growth led to significant risks. They reflect on the lessons learned regarding regulation, financial prudence, and the need for fintechs to partner with established entities for future success.
