Q3-FY26 · Mikl Inani
I think this is a space of efficient execution. Who is able to acquire the customer at the least amount of cost? Who is able to manage fraud? Who is able to manage risk? Who is able to manage collections?
Apollo Finvest · tone and specificity signals across the available quarters.
Language signals
I think this is a space of efficient execution. Who is able to acquire the customer at the least amount of cost? Who is able to manage fraud? Who is able to manage risk? Who is able to manage collections?
I do expect our investments in employee expenses to go up and I do feel that will have an impact on our profits. But I do strongly believe that this is the right point in the history of the company to make these investments.
We are getting about 300 to 400 downloads a day with zero marketing right... I feel very strongly that it's like offering a glass of cold water in a desert.
Our goal is to build out the leadership team... people who basically been in the digital lending space itself at least for a period of 4 to 5 years.
The more data that you end up gathering the more you can understand... how much is that particular data point important from helping us understand what is a good borrower and what is a bad borrower.
If a person like you ended up coming to our app it would most likely look to us like a fraud or a very bad credit situation because we don't expect a person like you to come to our app.