Profile Feature : Credy maverick Ashwin!

My Story

A ping and notification bounce from Slack. A heated discussions in the backend channel about efficiently resolving production errors. Static typing? More integrations test? Ideas being tossed around. All in a day’s work at Credy. So here is my story.

Journey Before Credy

My previous gig Enguru – an English learning application which helped users learn the language through carefully designed adaptive games, had been the steepest learning curve in my career so far.

Despite being a niche market, with several other competitors, the app had taken off pretty well with over 2 million users. With over 20K daily active users, we had our hands full with implementing new features, while handling the scaling issues and other woes that came along with it.

Challenges never ceased to sprout at Enguru, all the way from internal dashboards for Corporate Analytics, EnguruTalk – an online tutoring platform, right down to Chatbots that interacted with users; keeping me always on my feet.

Thoughts of changing

After a while, when things started to settle down at Enguru, and every day seemed to be another Déja Vú (refer Urban Dictionary), I decided that it was time to seek out another adventure, and a different scene.

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How did Credy happen?

I had applied to two dozen other Fintech and SaaS startups over few days on Angellist. After weeks of gruelling interviews (several good, some bad and few really horrific ones), I came across Credy – an online lending startup that was still less than a year old then, Y Combinator-backed, and working on automating almost the entire banking process. Sweet!… I knocked.

After several rounds of really long interviews, spread over a couple of weeks, I strolled into the office, on a hot August afternoon, in khaki shorts and a worn-out t-shirt, and signed my contract. I was officially, a part of the team.

Me as a part of Credy

“Welcome to Credy! We are happy to have you as a part of our team”, said Pratish.

First day on the job, I dove right into understanding the levers and gears of Credy, or more specifically – the backend service. Though it reflected a custom banking service, I was fascinated by the automation that was built/ being built into it, all the way from processing a loan application, to transferring money between virtual bank accounts mapped to individual customers.

Challenges at Credy

Over six months aboard the ship, we surge forward through harsh waters, with no sign of slowing down. We quarrel, criticise, build and improve. Given a free reign to work on side projects within the company, I treated myself to a slice of everything – from tinkering with the frontend web-app, designing posters for sales, all the way to securing the infrastructure for the servers.

The main projects were never a drag either, with all sorts of new challenges that came along.

I found myself building tools to help our men on the field, algorithms to manage auto debits from user accounts, managing documents uploaded by users, helping out with integrating with lending partners, and many more.

Since GOT is a pretty big deal at CredyWhen you play the game of clones, you merge or you reset – hard.

What’s a usual day at work at Credy?

Every morning, I open up the Google Sheet with the list of tasks assigned to everyone (Yes, Sheets seem to beat every other Project management tool out here!), only to be greeted by a long pipeline of tasks, stretching towards the end of May.

Things to improve, new technologies to try out, more code to refactor, more users to handle, servers to scale, security to patch up and plenty of data to crunch. And I know, “Today is gonna be a good day!”

Confused about Aadhaar linkage? Here is all you need to know

Our Indian government has decided to have one unique identification number for its citizens, which is Aadhaar and hence made it compulsory to link certain documents with Aadhaar card.

When it comes to linking Aadhaar with our different documents, we have lot many questions like What all to link? How to link? Where do I go? Do I have to visit any center for that?  But my address is not updated in Aadhar, what do I do now? and so many… Here I have answers to all your questions.

So let start with knowing about important documents that must be linked to your Aadhar card and steps to change your Aadhaar details:

  1. Bank Account
  2. Mobile number
  3. PAN
  4. UAN
  5. EPF

Here’s how you can link these documents with your Aadhaar card:

1. Bank account

  • To link your bank account with your Aadhaar online, your net banking should be activated.
  1. Login to net banking account
  2. Look for options like ‘Update Aadhaar Card Details’ or ‘Aadhaar Card Seeding’
  3. Enter all your Aadhaar details, verify the same and submit
  4. Once your details are confirmed at the bank, you will get a notification through email or SMS on the registered phone number
  • For offline linking, you will need an Aadhaar and Bank linking form
  1. You can get the form from your bank
  2. Fill in the details, attach a photocopy of your Aadhaar card and submit it to your bank
  3. Do not miss out on carrying your originals along with you. 1
  • You can check the status on your own as well:
  1. Go to UIDAI’s official site
  2. In “Aadhaar services” list, click on ‘Check Aadhaar & Bank Accounting Linking Status’ OR visit https://resident.uidai.gov.in/bank-mapper
  3. Fill all the required details
  4. You will get to the status after submitting the details
  5. The final date to linking Aadhaar card to the bank account is March 31, 2018

2. Mobile number:

  • Link your Aadhaar to existing mobile number through a call:

Call on 14546, select the preferred language and then follow the instructions

  • Offline method:
  1. Go to the nearest mobile service provider
  2. Carry your Aadhaar card copy and an active SIM card or mobile number
  3. You will receive OTP on your active mobile number which needs to be submitted to store executive. Biometrics are also required for a successful linking process
  4. You will receive an SMS within 24 hours. To complete the e-KYC reply “Y” to the SMS.
  5. Now your mobile number has been successfully linked.

3. PAN:

Steps to link your Aadhaar Card and PAN

  1. Visit site http://www.incometaxindiaefiling.gov.in and click on ‘Link Aadhaar tab’
  2. Enter your PAN and Aadhaar number and other required details
  3. Again, click on ‘Link Aadhaar’
  • Verify Aadhaar & PAN Card Linking by SMS Method

There are 2 ways to check the attachment status within few minutes.

Step 1: Through SMS.

  • Compose an SMS from your Phone
  • Follow this Format – UIDPAN<SPACE><12 digit Aadhaar><Space><10 digit PAN> Example – UIDPAN 123456789012 1234567890
  • Send this SMS to 567678
  • Soon you will get revert SMS
  • If the SMS says that UID & PAN are already linked that means you have completed the task

Note: Use the Number which is registered with your Aadhaar card

Step 2: Online

  • Enter the details then click on “Link Aadhaar”
  • If you already have successfully linked, then you will see something like this –

2

4. UAN

5. How to link Aadhaar number to EPF account online?

By using the EPFO online facility, you can link your Aadhaar to EPF with ease.

  • Login to the EPFO Unified EPF Portal by using the UAN number and password login.
  • Once you have successfully logged in, you will come across a manager tab in which you will have to select the KYC option from the drop-down menu.
  • After you select the KYC, you will get options to fill in the bank details, PAN details, Aadhaar number, passport, driving license, election card details, and ration card details.
  • You will find a section that where you will have to enter your Aadhaar number and name as it appears on your Aadhaar card. This is the place most of the people will face a problem. You might not be able to update it because of the name mismatch, in such cases, you will have to immediately inform your employer about this to resolve the problem.
  • After saving it, you can view it under pending KYC option. It would generally take 15 days for the approval. Once it’s approved your Aadhaar status will be available in “Approved KYC” area.
  • Make sure all the details – name, date of birth is same on both the cards. In case of any minor mismatch, OTP will be required.

3

CHANGING AADHAAR DETAILS

You can change below-mentioned details in your AADHAAR card, using Online Self Service Update Portal:

  • Name
  • Address
  • Mobile Phone Number
  • Gender
  • Date Of Birth

For any other AADHAAR Card change requests, please visit any nearby AADHAAR card enrolment/update center. To contact nearby AADHAAR card center click here: Locate Nearby AADHAAR Card Centers.

To Update Your Name/Address/Date of Birth:

  1. Visit the UIDAI portal and login with your Aadhaar number
  2. You will receive an OTP (One Time Password) and you will be redirected to the data page upon entering the OTP
  3. Select the data you want to update
  4. If you need to update your address or name, you must upload respective documents:

Name Correction/Update: Requires supported Proof of Identity documents containing Name and Photo

Date of Birth Correction: Requires supported proof of Date of Birth. Enter your details in DDMMYYYY format. Keep in mind you can update your Date of Birth only once. Once the date is verified, it cannot be changed

Address Corrections/Change: Requires supported address proof that contains name and address

  1. Upload the original, scanned copies of your documents
  2. Submit the request and note down the URN (Update Request Number) for future reference

To change Email ID or Gender:

  • No documents are required to change email ID or gender
  • Just log in to the UID portal, make preferred changes and hit submit
  • Use the URN to track your update
  • It will take a minimum of 7 to 10 days to reflect the changes

To Update Your Mobile Number:

If you have already linked your number, and need to update a new number, it can be done online. However, ensure that the linked number is functional before updating the new number.

  • To update the new number, log in to the UIDAI Portal
  • Click on Aadhaar update tab
  • Entered the necessary details, then OTP will be sent to your existing mobile number
  • After entering the OTP, you will have to update your new number and submit

If you have lost your phone number or want to add a new phone number, the process is slightly different:

  • Download and print the Aadhaar Update/Correction Form from the UID portal
  • In the ‘Field for Update/ Correction’ mentioned at the top of the form, tick ‘Mobile”
  • Enter your Aadhaar Card number, name and address as mention in the card. (All in CAPS)
  • In the Mobile section, fill in your new number
  • Attach some proof of identity with the form and sign it or provide your thumbprint on the document
  • Double check information and send it over to your nearest Aadhaar Center.
  • Locate your nearest Aadhaar center here.

This process can also be completed by physically visiting an Aadhaar centre, where along with filling the form, your biometrics will be recorded and verified as well.

Mili Bavariya

Credy

Profile Feature : Credy Champion Sourav!

My Story

Sourav

Journey before Credy:  

I was trying to gain admission in post-graduation when I got my first job in a payments start-up based out of Mumbai. Where I learnt how a server-client architecture works outside of university textbooks. Even though I was working on the Android app I was very interested in the backend side and never missed any opportunities to learn as much as possible. Then I picked up understanding in UI/UX, a little bit of designs. I learnt a lot of building and deploying Android apps and was eager to learn things like redis, nodejs given that we were using those to build our backend.

Later I moved to a mobile security start-up based out of Bangalore as I was getting an opportunity to work as a Backend engineer with a very small and smart tech team. This is where I started learning backend integrations, building APIs, adding to the existing architecture. Given the people in the team were really connected with different start-up, developer communities this is where I also got to meet different people and know a lot of different things about start-up’s outside development as well. 

Unfortunately, all good stories come to an end and I had to leave for my hometown because of some personal reasons for a few months. The next one year I tried working remotely as well as in some other companies however I was disappointed mostly with the quality of work I was doing and hence decided to look for something better.  This is when I came in contact with Harshit, and eventually, Credy happened 🙂

Journey/Experience in Credy:  

I joined Credy right at its beginning thinking, this might be a place of learning and I was absolutely right. I have seen it growing from zero to the level it is today. The environment here is always very encouraging and I have learnt so many new things which I did not experience earlier professionally. The thing which I liked most in my peers is the motivation level they have. From the founders to the interns I have learnt so much from everyone and hope this continues.

Learning in Credy:  

I have learnt so many new technical things, listing down few of them:

         We had to integrate with a lot of services and other organizations which were not very tech focussed. These integrations had a lot of undocumented things, unexpected behaviours and ambiguity. Understanding and correctly estimating these problems can only be done after experiencing these difficulties multiple times. While addressing these problems, my understanding has improved in authenticating HTTP requests with certificates, understanding the signing of certificates, expected data structures, etc.

         Apart from this I gained good knowledge in infrastructure related work and trying to automate things at as many levels as possible.

         Our attempts to keep the code structure clean and easy to understand has improved my ability to write better code immensely.

         Being a financial company, we faced issues in handling a large amount of data and structuring them, at the initial stage. To solve that we started with very simple relational structure and tried to improve that at different points in time, this has given me a bigger picture of database architecting.

While most of my learning is on the technical side increasing my knowledge I have learnt a lot about the finance domain outside development as well.

 

 

Profile Feature : Credy Champion Soumya!

My Story

Soumya 2

Journey before Credy:  

I started my career in finance by joining a leading Indian bank as a Credit Manager. Being new to the retail lending world, my first job gave me a solid foundation in understanding the retail lending process apart from helping me develop the basic soft skills which are equally important in the corporate world.

 Journey/Experience in Credy:  

I came across an interesting article about Credy on TechCrunch and was curious to know their working model and most importantly the collaboration with Y Combinator. I decided to drop an email to Harshit to enquire about a possible opportunity and as they say, the rest is history 🙂

I have been with Credy for the last 9 months and the journey so far has been phenomenal. The best part about working with Credy is the flexible & friendly work environment it offers. My co-workers are very friendly and are always there to help me out whenever required. There is an open channel of communication between the employees and the CEO, COO & CTO of the company and your suggestions will never go unheard.

Credy focuses on getting the work done on time rather than stressing on the number of hours physically spent in the office. This has helped me strike a good work-life balance and enabled me to pursue my personal hobbies as well.

Learning curve in Credy/Things you learnt working at Credy:  

Coming from a non-technical background, while building some of Credy’s fin-tech products, I have had to don the hat of a Product Manager right from product ideation phase until launch which has helped me learn the technical aspects of product development. By taking ownership of tasks outside my comfort level, I’ve been able to develop my problem-solving skills, creative skills, and organisational skills.

Another thing that has been exciting in my daily job at Credy is learning to use new reports, tools and data models to determine creditworthiness and financials of individuals. Insights from credit report agencies and fraud detection tools have helped simplify and expedite the decision-making process.

I was fortunate enough to see my ideas become a reality when Credy’s in-house LMS engine was designed for transforming the underwriting process. This, in turn, helped me look at the loan approval system at a macroscopic level. I’ve also taken additional responsibilities such as being the Content Manager for Credy’s weekly e-newsletters, helping the development team with UAT prior to a new product going live.

Credy has been the place where I could learn and understand the product development from scratch and my opinion and suggestions were always valued.