EP982: Reimagining Credit for Digital Economy

PayU Finance CEO Deepak Mendiratta explains how the company is reimagining SMB credit through embedded, data‑driven lending models that overcome long‑standing barriers like irregular cash flows, limited documentation, and the high cost of small‑ticket loans. PayU uses alternative credit evaluation based on UPI transactions, GST records, and behavioural insights, enabling more accurate underwriting. Its EDI—equated daily instalment—model aligns repayments with daily cash flows, reducing interest burden and stress for small businesses. Through deep integrations with platforms like PhonePe, Swiggy, and Meesho, PayU delivers frictionless, real‑time credit access. Robust risk management combines machine learning, daily repayment visibility, and short‑tenure loans, while ethical lending, transparency, and data protection remain core principles driving sustainable, inclusive credit growth.