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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.


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.