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Services
Our Services are driven by our analytics and data management capability. This underpinning enables us to drive better performance for our customers. Specific solutions are designed based on the product, as well as customer requirements.
B2B Receivables Management
Insurance Retention
Cross Sell
Data Enhancement
Contact Center Services
Retail Collections
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Solutions
We help our clients drive business performance through effective implementation of IT solutions, which are best suited to their business and market place. We are a team of professionals who have served some of best banks, NBFCs and IT companies of the world in our previous assignments.
IT Solution Design and Implementation
Business Process Consulting and Automation
Customized MIS/Dashboards Portals
Business Intelligence & Analytics
Score Card
Project Management
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Consulting
We help our clients in strengthening their businesses by utilizing our expertise. With our insight into the BFSI
domain, we specialize in portfolio valuation, assessment
& repair, development of credit procedures and policies, market entry strategy, business process design and implementation.
Risk Management
Portfolio Value Enhancement Solution
Credit Policy and Procedure Review
Market Strategy
Case Studies
Identifying underlying risks
Client profile:
Our client, a publicly listed midsized Private bank, has a large Home and Loans against property (LAP) portfolio.
Business need:
The portfolio’s credit performance is excellent; however, the mix was changing as larger ticket LAP Loans were being initiated since the yields on these loans are higher vs. those of traditional Home Loans. Accordingly, the client was concerned about any systemic risk that may be building up in this portfolio despite the very satisfactorily portfolio performance.
Analysis:
A detailed assessment was undertaken of the total portfolio dynamics, as well as of the LAP portfolio. The profitability / pricing vs. NPA interplay was also analyzed in detail. Customer/property assessment was done and the early trend on stress was analyzed while assessing the efficacy of the warning systems. The analysis also included modeling to assess the impact of negative amortization and reduction in property prices.
Our solution:
Enabled the client to do a market benchmarking of their loan origination vs. key competitors. It also included an assessment and detailing of systematic risk in the portfolios (Home/ LAP) and specific recommendations to mitigate these risks. The solution also included an analytical model to monitor the systematic risk on an ongoing basis.
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