Clix Capital
Gurugram-based digital-first NBFC lending to SMEs, professionals and consumers.
Founded
2016
HQ
Gurugram, India
CEO / MD
Rakesh Kaul
Employees
500-1000
Ownership
Private
Industry
Financial Services / NBFC
What they do
Clix Capital is a technology-enabled non-banking financial company (NBFC) in India that offers a diverse range of financing solutions. Founded after acquiring GE Capital's commercial lending and leasing business, Clix utilizes advanced data analytics and a robust digital platform to provide MSME loans, personal loans, healthcare equipment finance, and school financing. By integrating technology with traditional underwriting, they cater to underserved segments of the Indian market, simplifying the credit acquisition process for both retail and corporate customers.
How they make money
Clix Capital generates revenue primarily through net interest income, which is the difference between the interest earned on loans and the cost of funds. They also earn revenue from loan processing fees. They utilize a digital partnership model, co-lending with major banks, and direct-to-customer digital channels to keep customer acquisition costs low while scaling their loan book across consumer and MSME segments.
Why it's interesting for a marketer
An MT-General Management track at a mid-size NBFC gives genuine rotational exposure - digital acquisition, partnerships, product or growth - where lending is fundamentally a funnel: lead cost, approval rate, disbursal rate. For a marketer, BFSI growth is performance marketing with hard unit economics: every lead carries a measurable cost and a measurable value, so you learn to defend spend with numbers rather than brand narratives.
Products & services
- • MSME Business Loans
- • Personal Loans
- • Healthcare Equipment Finance
- • School Finance and K-12 Education Loans
- • Co-lending and Digital Partnership Programs
Market position
Clix Capital is a fast-growing, mid-sized NBFC in India's highly competitive digital lending space. It stands out by leveraging deep analytics and strategic co-lending partnerships to capture underserved MSME and retail credit markets.
Scale
Assets Under Management (AUM) of approximately INR 5,000+ Crores as of FY24
Digital Reach
Disbursed loans to over 10 Lakh customers across India
AUM Growth
Targeting an AUM milestone of over INR 10,000 Crores in the medium term
Heritage
Built on the strong operational foundation of GE Capital India's acquired business
Recent developments
- → Secured debt funding from global and domestic institutions to fuel MSME expansion
- → Expanded co-lending partnerships with public and private sector banks to scale credit distribution
- → Enhanced its proprietary AI-driven underwriting model to reduce turnaround times for loan disbursements
Culture & reputation
Known for an agile, entrepreneurial, and tech-driven culture. It values innovation, meritocracy, and data-backed decision-making, offering young management trainees significant autonomy and rapid career growth in the fast-evolving fintech sector.
Strengths
- • Strong digital integration and analytics-led underwriting
- • Robust backing from global private equity firms
- • Diverse product portfolio covering retail, MSME, and healthcare
Weaknesses
- • Higher cost of funds compared to scheduled commercial banks
- • Dependence on partnership channels for rapid customer acquisition
Opportunities
- • Unlocking credit access for underserved MSMEs through the Account Aggregator network
- • Expansion of co-lending partnerships with top-tier public sector banks
- • Leveraging India's growing digital public infrastructure (DPI)
Threats
- • Intense competition from emerging fintechs and traditional banks entering retail lending
- • Strict regulatory changes by RBI governing NBFC digital lending guidelines
Why join (as a fresher)
- • Opportunity to work at the intersection of traditional finance and cutting-edge fintech
- • Hands-on exposure to risk underwriting, digital partnerships, and credit analytics early in your career
- • Direct mentorship from experienced industry veterans who transitioned from legacy banking to agile NBFCs
“Why Clix Capital?” - starter answer
“I want to join Clix Capital because it successfully bridges the stability of a diversified financial institution with the agility of a modern fintech. The MT program will allow me to apply my analytical skills directly to MSME credit underwriting and digital partnerships. I am eager to contribute to Clix's mission of solving India's credit gap through data-driven financial inclusion.”
Pro tips
- Learn six to eight NBFC terms cold - AUM, NIM, NPA/GNPA, co-lending, DSA, securitisation - and use them naturally; it instantly sets you apart from other marketing candidates.
- Read RBI's digital lending guidelines and the co-lending model before the GD and leadership round; these are the likeliest discussion anchors for a digital NBFC.
- Frame yourself as a marketer who thinks in funnels and unit economics - bring one story where you moved a conversion or cost metric, and be ready to dissect it end-to-end.
Eligibility (as listed)
Open for All
Role(s) offered: MT -General Management
Profile AI-drafted on 11 Jul 2026 from public knowledge - verify time-sensitive facts before your interview.
Prep guide compiled from the PGDM 2026 campus placement list. Company facts are for orientation - verify time-sensitive details (leadership, numbers, recent news) before your interview. Questions are illustrative of each round, not a leaked question paper.