Fintech Ki Baat
Inside the Data Science Behind India's Credit Decisions Ft. Mohan Ramaswamy
India has 60 million businesses that need credit.Most credit decisions in India still rely on the same static reports and third-party bureau scores. Mohan Ramaswamy, Co-founder and CEO of Rubix Data Sciences, thinks that's the wrong model, and has spent eight years building the alternative.In this Dhandhe Ki Baat segment, he explains how Rubix pulls together GST filings, court records, import-export data, employee sentiment, and over a hundred other sources to build a live, continuously monitored risk score, one that moves the moment a business's real financial health changes, not one that goes stale the day it's issued. ⏱️ Timestamps: 0:00 – What Rubix does 1:08 – From static reports to real-time risk intelligence 3:42 – Lending: assessing businesses with thin or no credit history 10:41 – MSME lending: 120+ data sources behind one risk score 15:29 – Rubix's score vs standard bureau scores 19:35 – Insurance: trade credit and India's under-penetration problem 25:27 – Behind the scenes: what data science actually is 30:15 – Where AI fits, and where it deliberately doesn't 33:44 – What's next for Rubix ️ Chasing Impact covers six sectors shaping the next decade of India: Fintech, AI, Climate, Mobility, HealthTech, and Defense. Subscribe for a new episode every week. chasingimpact.in
