The hottest Substack posts of Rohit’s Newsletter

And their main takeaways
157 implied HN points 28 Aug 23
  1. Lending businesses are competitive and require tight risk management.
  2. Key revenue drivers include interest, origination fee, servicing fee, merchant fee, and other fees.
  3. Focus on optimizing metrics like interest rate, cost of acquisition, default rate, and fraud rate for business growth.
98 implied HN points 14 Sep 23
  1. Building financial products like credit cards or loans requires careful consideration of compliance regulations, risk models, operations, and funding models.
  2. Fintech infrastructure products can assist in building credit products, but integration can be complex due to a lack of standard setup.
  3. To effectively build a lending product, break it down into steps like acquisition, underwriting, origination, funding, and servicing.