perfios.ai
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Perfios: The $143M Data Engine Powering India's Lending Boom
How a fintech analytics firm scaled to 1,500+ employees without a single consumer-facing product
While fintech giants fight for consumer attention, Perfios quietly built a $143M B2B empire by selling the plumbing that makes modern lending possible. This is the story of infrastructure as a moat.
"Perfios doesn't lend money—it builds the algorithms that decide who gets it, at scale, in milliseconds."
The Invisible Middleman
Perfios operates in the critical infrastructure layer between banks and borrowers. Their real-time credit underwriting platform processes loan applications by aggregating data from bank statements, tax returns, and alternative data sources. They don't compete with lenders—they power them. With 1,541 employees, they've scaled a specialized workforce focused solely on financial data engineering and risk modeling.
Revenue Without Consumer Acquisition
Their $143.2M revenue comes from B2B SaaS licensing and transaction fees from financial institutions. This model eliminates the brutal CAC (Customer Acquisition Cost) of consumer fintech. Instead of spending $50-100 to acquire a single user, they sell to enterprises that already have massive customer bases. The unit economics are fundamentally different: higher margins, stickier contracts, and zero brand marketing spend.
What makes Perfios unique is its vertical depth. They're not a generic data analytics company—they're a financial data specialist with domain-specific algorithms that understand bank statement patterns, income verification nuances, and fraud signals. This focus creates a data moat: the more transactions they process, the smarter their models become, creating network effects that generic players can't replicate.
- Built for scale: 1,541 employees suggests enterprise-grade operations and support
- Revenue concentration: $143M with likely 200+ enterprise clients means significant average contract value
- Infrastructure play: They sit at the plumbing layer where switching costs are high
- India-first: Likely built for India's complex financial data landscape, a proving ground for global expansion
The Infrastructure Thesis Wins
While consumer fintech faces margin compression, Perfios proves that owning the data plumbing layer delivers sustainable, scalable B2B revenue—no consumer brand required.
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