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Gaurav Noronha

Staff Writer, India Edition

Gaurav covers fintech and financial services from Mumbai. He is interested in all things finance, public or private. Yet, none of this translated into good personal finance. After studying at St. Xavier's College (Bombay) and ACJ, Chennai, he worked with The Economic Times in Delhi and Fi Money in Bangalore before joining The Ken.

3 Articles published

Top Comments by Gaurav Noronha

Paytm’s results hint at a turnaround. But loan-collection hacks drive it

Thanks for reading Tarun. Paytm is unlikely to significantly restructure its payment services as they see it as the acquisition funnel to cross sell and upsell their credit products

Gaurav Noronha India Edition, Staff Writer

Paytm’s results hint at a turnaround. But loan-collection hacks drive it

Thanks for pointing this out Ankit We have fixed it

Gaurav Noronha India Edition, Staff Writer

Paytm’s results hint at a turnaround. But loan-collection hacks drive it

Hi Shruti, Paytm provides a range of collection services from loan management systems (LMS) to digital reminders, calls and field visits. You can have a look for yourself on the Paytm CreditMate site. While it is not the only thing Paytm is banking on to grow its loan distribution business, collection is possibly the most important component of a lending business and Paytm's ability to make inroads in that segment of the market will set it further apart in the eyes of lenders.

Gaurav Noronha India Edition, Staff Writer

Paytm’s results hint at a turnaround. But loan-collection hacks drive it

Thanks for reading Ateesh, I'm glad you found this informative. Merchant loans have an average tenure of 13 months on Paytm's platform. And yes, you are right there. Since a majority of these loans have originated within the previous year, it will be a few until months the full impact of any delinquencies will be felt. There might be the risk of high creditworthy borrowers going direct in the future but this is not where Paytm's target audience is right now. They have a substantial base of users that have limited access to credit to work with. And they will definitely keep growing the top of the funnel.

Gaurav Noronha India Edition, Staff Writer

In India, Y Combinator is faced with the question: Why Combinator?

Thanks for pointing that out Vansh. I will be more mindful in my future articles.

Gaurav Noronha India Edition, Staff Writer

In India, Y Combinator is faced with the question: Why Combinator?

Economic conditions affect startups of all stages. Here are Y Combinator's views on the subject

Gaurav Noronha India Edition, Staff Writer

In India, Y Combinator is faced with the question: Why Combinator?

Hi Vansh, YC currently runs its programme in a hybrid format and that could explain the dip in numbers from a purely virtual format to a certain extent. Other reasons also include the global economic downturn and the impact on the funding environment.

Gaurav Noronha India Edition, Staff Writer

Stories by Gaurav Noronha

26 May, 23

Paytm’s results hint at a turnaround. But loan-collection hacks drive it

Gaurav Noronha, Arundhati Ramanathan

24 Apr, 23

Once invincible, Slice finds itself trapped between banks, regulators, and products

Gaurav Noronha

04 Apr, 23

In India, Y Combinator is faced with the question: Why Combinator?

Gaurav Noronha, Gaurav Tyagi