FY 2026-27 STRATEGIC ROADMAP
Digital
Dominance
Building the #1 Fintech Marketplace ecosystem for Credit, Investment, and Insurance. A vision rooted in democratizing finance for 500k+ active users.
The $1.2T Prize
TAM (Total Available Market)
Unbanked and underserved financial services market in India.
SAM (Serviceable Market)
Tech-savvy urban and semi-urban population with digital footprints.
SOM (Targetable Market)
Highly profitable segments optimized for our digital product-led acquisition.
Execution Targets
Positive
Unit Economics by Q3
The Fortress
Regulatory Compliance
Market Trends
Leading the shift towards instant, data-driven credit decisions.
Key Partners
Strategic co-lending partnerships for low-cost capital access.
Tech Infra
Native integration with public digital infrastructure for cost efficiency.
Risk Mitigation
Ensuring sustainable growth with institutional-grade risk management.
The Portfolio
Personal Loans
Digital-first lending with AI underwriting.
Avg ticket $2.5kInsurance Hub
Embedded life and general products.
12% MarginCredit Cards
Instant virtual & co-branded cards.
Ready Q4Global FX
Cross-border payment corridors.
PipelineRevenue Engine
Diversified monetization across the ecosystem.
The Velocity Funnel
LEADS
Traffic from Organic, PAID & Affiliate channels.
REGISTRATION
OTP verified mobile onboarding.
DIGITAL KYC
Automated eKYC & Video modules.
UNDERWRITING
AI-driven credit scoring (Gini 0.42).
OFFER
Hyper-personalized selection engine.
DISBURSEMENT
Instant funds via UPI/IMPS.
RETENTION
Customer service & Cross-sell loops.
The Flywheel
Strategic Partnerships
Leveraging Bank/NBFC capital and existing customer bases.
Product-Led Growth
AI-driven UX optimization to lower CAC and drive referrals.
DSA Network
Extensive affiliate & offline partner network for deep reach.
Execution Horizon
Core Digitalization
- eKYC / Video KYC
- LOS / LMS V2
- Payment Gateway Hub
Product Depth
- Credit Card Rollout
- Insurance Portal
- Multi-Product LOS
Advanced Scoring
- AI Recommendation 2.0
- Risk Gini Scoring
- Dynamic Pricing
Ecosystem Mastery
- Embedded Finance API
- Global FX Engine
- Retention Flywheel
The Outcome
Profitability Playbook
OPEX Efficiency
Scaling DNA
Winning the
2026 Mandate
Direct Credit is not just building a product; we are architecting the future of credit dominance in a digital-first economy.