Disbursing ₹80 Crore in SME Working Capital via Digital KYC Funnels
Optimizing paperless loan applications with WhatsApp document collection and instant credit scoring.
01 · The Strategic Challenge
Overcoming Market Friction & Unit Economics
High drop-off during document upload stages when asking small business owners for 2 years of ITR and bank statements.
02 · The Growth Strategy
Precision Media Architecture & Creative Velocity
Integrated Account Aggregator API directly into the mobile ad funnel, allowing 1-click bank statement verification via OTP.
Key Execution Pillars
- Algorithmic bidding consolidation under broad Advantage+ frameworks to allow maximum machine-learning signal discovery.
- High-velocity creative testing deploying 15+ variations weekly across Problem-Agitate-Solve, UGC, and 3D product motion.
- Server-Side Conversions API (CAPI) implementation to bypass browser cookie drop-off and recover 28%+ lost attribution signals.
- Post-click conversion rate optimization (CRO) streamlining landing page load times down to sub-1.2 seconds.
03 · Verified Results
Audited Performance Metrics
| Metric | Baseline | Achieved | Net Lift |
|---|---|---|---|
| Application Completion Rate | 12% | 44% | +266% |
| Total Capital Disbursed | ₹14Cr | ₹80Cr | +471% |
Hussain reduced our loan onboarding friction to near zero. An absolute game-changer.
Anand Agarwal
Founder & MD, VaultPay SME Credit
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