Finlatics Investment Banking Experience Program Project- 1 :-

(A.) 1. An unconventional, yet potentially optimal profile-

idea combination would be A( He is an Engineer with
an MBA Degree and has previous experience of
working in Information Technology.) and C( Arjun has
built an international transfer remittance system that
reduces the cost and time to make an international
transfer.).
I believe that this profile-idea combination would
bring immense benefits in the organization as in this
situation Arjun is himself a great person having such a
wide experience of technology education, then
management education and then also a working
experience in IT sector. In this ideal world, he has one
of the best profiles, thus he definitely holds lot of
great skills which can effectively help an organization
to grow and expand. As he has desired skills for
making technological softwares so he would use the
programming languages he had learnt during his
graduation and some other big platforms and
softwares to develop the new safety ensured
payment software and even use the managerial skills
to decentralise the work in his organization and get it
done by others, thus it would be easy for him to get
the work done by others as well. Since he has also
 worked in an organization, thus, he might have some
contacts as well from whom he can also take some
help if he’s able to extract it. Apart from this, there’s
a somewhat similar story of a startup founder. It is
briefed below:-
A Similar Story:-
One of those examples is Pranay Chulet, co-founder
and the CEO of Quikr.
An undergraduate degree holder in Chemical Engineering
from Indian Institute of Technology, Delhi and an MBA
from Indian Institute of Management, Calcutta. He also
had a working experience of working in Information
Technology before starting with his startup.
After graduating from IIM Calcutta, Chulet joined Procter &
Gamble in a brand management position. He left P&G in
1997 to join Mitchell Madison Group as a management
consultant. He later worked in a variety of roles in Walker
Digital, PricewaterhouseCoopers and Booz Allen Hamilton.
He started his first entrepreneurial venture, Excellere, in
2007. In 2008, he founded Kijiji India, which was later
rebranded as Quikr.
Quikr has raised over $150 million in funding from private
equity and investment firms like Warburg Pincus, Omidyar
Network, Matrix Partners, Norwest Venture Partners and
Investment AB Kinnevik, and shareholders like eBay.
The reasons behind Pranay's and Quikr's success had been
that Pranay had made Quikr a multi- millionaire company
 through his continuous hard work and determination. This
was possible because he was working from starting to
solve a problem many businesses used to face and he had
confidence that his idea will be able to solve that problem.
Thus, if Arjun continues to have the problem-solving idea
and he starts working on that, then the rest desired
success will come to him for sure because he already holds
a great profile.

Conclusion:-
1. All in all, I believe Arjun's educational qualifications and
working experience in IT sector will not only give him
confidence in building Payments Software but also be a
successful implementation as he is himself from IT
background and also has a working experience
therefore he clearly knows the plus' and minus' in
software designing, therefore he being an engineer
would make it a kind of cakewalk for him to develop
such software as he already possess the desire skills
himself. And also he would probably be successful in
ensuring smooth and transparent management in his
organization.

(B.). When Arjun is looking to raise funds in the profile- idea

combination that we have picked, then in the given
conditions the following can be done.
Unlike loans, private equity offers more than just capital
to firms, it is a clear value addition to the company
through several other variables such as stamp of quality,
network driven benefits, advisory benefits and financial
benefits. Given the chosen profile-idea combination, I
believe Arjun’s primary focus should be on Stamp of
Quality and Advisory Benefits.
Since Arjun’s product needs to go over a lot of
compliance requirements in order to be launched
commercially, therefore we can say that since the
product hasn’t successfully yet launched thus he’s into
the first stage, i.e., the Ideation Stage.
Here, if Arjun focuses on Stamp of Quality factor then
he has chances of succeeding because as stated he has
to go over a lot of compliance requirements for getting
his product launched, thus, when he gets to see the
existing competition in the market and he knows that in
order to get the PE investment, he not only has to
survive the competition but also have to emerge
successful in it, therefore, he’ll try to make fair and legal
products with high potential which are also creating
some intellectual property using the technology and
also he can sense that his product has a wide target
market, thus if all this is focused on he'll then be
emerging successful and all his products would then
successfully undergo compliance as well and he would
be able to raise funds from PE investors.
The next step is that he has to ensure the safety and
security of the software.
Thus, if Arjun also focuses on Advisory Benefits along
with the Stamp of Quality benefits, then he can have
more stock of experience as having an investor who is
also a mentor with certain experience in the same
industry can help Arjun scale up his startup as both of
them can discuss their tech startup experiences and
hard knowledges and reach out to the best possible
outcome. Their discussion may consist of talking about
payment statistics, ensuring compliance and security,
and building user management models amongst others.
Besides the software development, both of them can
also discuss about currency hedging as we know that an
international remittance app is prone to currency
exchange risk. Therefore, in order to protect it’s
position, the company must strategically set up
investments that can offset potential losses. Thus, since
both have their own experience, again they can discuss
and come to a final approach which could be used to
mitigate the risk. And as there’s a famous saying – Mind
of 2 combined together and used together at the same
time produces far better outcomes than one single used
at a time

Now, since Arjun himself possess top- notch

management skills being an MBA graduate, therefore
he’ll again be at an edge in creating a strong
organizational culture meansetting values and goals,
and then aligning teams & building reward systems.
Thus, all this will help him in successfully getting
investment as PE.