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Case Studies

Creating the credit policy and portfolio health indicators

Client background:

Our client, a midsized finance company, had built a loan portfolio comprising of Loan against property (LAP) and unsecured loans to SMEs.

Our solution:

Consisted of Portfolio benchmarking vs. competition, an application scorecard, and recommendation on underwriting standards, assessment of credit evaluation logic and a life time portfolio loss estimation model. We also developed a stress testing model for the portfolio.
 

Business need:

The client wanted us to review the existing portfolio dynamics, credit policy and procedures with a forward looking bias to identify issues which impact credit quality of this portfolio.

Result:

Our recommendations were implemented by the client to enhance their policy framework. They also deployed the application scorecard developed by us as a part of the solution.