My WOW Factor from Poonawalla Fincorp’s Concall Q2 2026
My WOW Factor from Poonawalla Fincorp’s Concall What caught my attention wasn’t just loan growth. It was the focus on improving credit quality while scaling the business. 3 things stood out: 1. AI + 30–35 proprietary models: Continuously refining credit assessment and customer selection. 2. Better asset quality: Management highlighted improving early-stage delinquency indicators and a declining credit-cost trend. 3. Future profitability: Better lending spreads, cross-selling and operating leverage could support ROA over the next 2–3 years. My takeaway: The real story is not just how fast a lender grows, but how intelligently it manages risk while growing. Now, the key is to see whether these improvements sustain as the loan book matures. Not investment advice. Based on management commentary; outcomes remain to be verified.