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Monish Anand

Founder & CEO, MyShubhLife · 1 appearance on the record.

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founderexecutive

Monish Anand is the founder and CEO of MyShubhLife (Datasigns Technologies). A veteran banker and fintech entrepreneur, he was elected as an Ashoka Fellow in 2017.

11statements → 5claims → 3claims resolved → 0%fully supported → 3.45/5average certainty → 1.55/5average debate potential → 5said about them ↓

0 supported 3 partly supported 0 contradicted 2 not checkable as stated how the 5 claims stand · each chip opens the sources

5 assertions · 1 insight · 5 disclosures · every statement was checked. The predictions and assertions are the 5 claims: statements the public record can support or contradict. 3 are resolved, and 2 name no date, number or outcome precise enough to check. Everything else (opinions, insights, what ifs, disclosures) can never be settled by the record, so it carries no assessment.

The record, in short

What the tape says about how Monish argues and how the claims held up. Everything they said, and everything said about them, is in the tabs below.

Expressed certainty vs assessment result

none yet certainty 1
none yet certainty 2
50% certainty 3
50% certainty 4
none yet certainty 5

weighted support: a fully supported claim counts one, a partly supported claim counts half. Each filled bar is clickable and opens exactly those claims; "none yet" means nothing said at that certainty level has resolved yet

How they sound: not measured why? →

We measure speaking style by listening to the audio itself, and a fair number needs at least 2,000 words from one person on tape we have measured. There is too little of Monish Anand on measured tape to publish a rate. This says nothing about how they speak.

Everything Monish Anand said on Top Founders that made the record, most notable first. Filter by type, assessment or year in the ledger →

Assertion Not checkable as stated
DataSigns claims sole mandate from Indian banks to originate proprietary credit scores
“So what we are the only company in the country today where multiple banks and NBFCs have given a mandate to acquire these customers, risk assess these customers. Also you know, these companies accept a credit score. And they lend to these customers based on ou…”
Monish Anand Apr 2, 2017 ▶ 11:26 EP 617: DataSigns Raises $5.4M, Gives Loans To Indian Credit Borrowers At 1/2 The Rate Money Sharks Do With CEO Monish Anand
Insight
Traditional credit underwriting calculus fails to accurately predict loan repayment behavior
“Well, what we really believe is that the calculus, which is often used to determine credit worthiness is not good enough to predict whether a person will pay back a loan.”
Monish Anand Apr 2, 2017 ▶ 3:33 EP 617: DataSigns Raises $5.4M, Gives Loans To Indian Credit Borrowers At 1/2 The Rate Money Sharks Do With CEO Monish Anand
Assertion Partly supported
Over 400M Indians apply for loans annually; under 1 in 7 succeed
“In India, over four hundred million people every year apply for loans, and less than one or seven actually manage to get a loan from banks and banks in a non-banking company.”
Monish Anand Apr 2, 2017 ▶ 2:37 EP 617: DataSigns Raises $5.4M, Gives Loans To Indian Credit Borrowers At 1/2 The Rate Money Sharks Do With CEO Monish Anand
Assertion Not checkable as stated
Indian loan sharks typically charge an effective annual IRR of 56%
“In India, a loan shark typically charges close to about 56% to IRR.”
Monish Anand Apr 2, 2017 ▶ 8:21 EP 617: DataSigns Raises $5.4M, Gives Loans To Indian Credit Borrowers At 1/2 The Rate Money Sharks Do With CEO Monish Anand
Assertion Partly supported
India has over 1B phone subscribers; smartphones make up 61% of sales
“India has over one billion phones subscribers. Out of which, today's, 61% of the phones which are getting sold are the smartphones.”
Monish Anand Apr 2, 2017 ▶ 5:23 EP 617: DataSigns Raises $5.4M, Gives Loans To Indian Credit Borrowers At 1/2 The Rate Money Sharks Do With CEO Monish Anand
Disclosure
DataSigns has an addressable base of 75,000 employees across 60 partner companies
“Today our entire universe is close to about 75,000 employees working in about, in working about sixty-odd companies, yeah.”
Monish Anand Apr 2, 2017 ▶ 7:25 EP 617: DataSigns Raises $5.4M, Gives Loans To Indian Credit Borrowers At 1/2 The Rate Money Sharks Do With CEO Monish Anand
Disclosure
DataSigns has disbursed 600 loans averaging 25,000 rupees with 18-month tenures
“We have given close to about 600 loans at an average ticket size of 25,000 rupees with a 10 year of about 18 months.”
Monish Anand Apr 2, 2017 ▶ 8:08 EP 617: DataSigns Raises $5.4M, Gives Loans To Indian Credit Borrowers At 1/2 The Rate Money Sharks Do With CEO Monish Anand
Disclosure
DataSigns issues loans at an IRR of less than 28%
“We lend at less than half, half of that, yeah.”
Monish Anand Apr 2, 2017 ▶ 8:40 EP 617: DataSigns Raises $5.4M, Gives Loans To Indian Credit Borrowers At 1/2 The Rate Money Sharks Do With CEO Monish Anand
Disclosure
DataSigns expects to close a $5M equity round within 45 days
“We are raising another five million, which we should be closing probably in next about 45 days.”
Monish Anand Apr 2, 2017 ▶ 9:39 EP 617: DataSigns Raises $5.4M, Gives Loans To Indian Credit Borrowers At 1/2 The Rate Money Sharks Do With CEO Monish Anand
Disclosure
DataSigns operates an asset-light model, originating loans for partner bank balance sheets
“No, it's, we are flipping to the other banks. So we are absolutely asset light model. We help banks build the books. So these, this is, these are on the balance sheet of the banks.”
Monish Anand Apr 2, 2017 ▶ 13:40 EP 617: DataSigns Raises $5.4M, Gives Loans To Indian Credit Borrowers At 1/2 The Rate Money Sharks Do With CEO Monish Anand
Assertion Partly supported
150 million Indians currently work for micro, small, and medium enterprises
“There are about hundred and fifty million Indians working for these small and medium enterprises.”
Monish Anand Apr 2, 2017 ▶ 6:39 EP 617: DataSigns Raises $5.4M, Gives Loans To Indian Credit Borrowers At 1/2 The Rate Money Sharks Do With CEO Monish Anand

The other half of the tape: Monish Anand's own voice is left out of every number here. Other people bring the name up 5 times in 2 episodes on Top Founders. every mention, with the transcript →

Who brings them up most Nathan Latka 5

Every mention by year

tap a year for its mentions
0031522017episodesmentions
0122017episodes it came up in
001.312.522017episodesmentions per episode
2017 5 mentions in 2 episodes 3 per episode

Appearances (1)

EpisodeDateSpeaking time
EP 617: DataSigns Raises $5.4M, Gives Loans To Indian Credit Borrowers At 1/2 The Rate Mon Apr 2, 2017 9m
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