With a population of more than 1.3 billion, and around 55% of adult population on credit bureau, there is a significant opportunity in India to acquire vast new segments of customers. For credit cards or transaction credit, it is even more under-penetrated with just close to 45 Mn. customers in India.The challenge continues to be identifying sub-segments which are attractive, sizeable and in line with risk appetite. This can be resolved by leveraging new forms of consumer consented data, utilizing data based insights and optimum use of advanced analytics techniques. At OneCard, we are working to leverage this opportunity. We strongly believe that many concepts of lending needs complete thinking from first principles - most of these processes, best practices & risk mitigants were established in the world when mobile, consumer data & advanced decisioning framework were not available. And now is the time re-think & re-establish new base line.I have almost two decades of experience where first few years witnessed strong business growth followed by GFC + downturn in India's lending cycle. Post that, Also contributed to portfolio consolidation & healthy credit building practices. At Experian, I established their analytics and credit bureau business. This experience gave deep insights on consumer lending at macro level.And now, looking forward to re-imagining credit cards for mobile world. Feel free to reach out if you wish to join the journey. Thanks.