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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. Our advantage comes through our experience in formulating and executing business strategies for multiple clients and products.

Risk Management

Based on our extensive, sector-specific experience, our company focuses on providing retail and SME credit portfolio evaluation and repair, analytics based solutions to optimize risk v/s revenue dynamics, credit/business MIS.

Portfolio Value Enhancement Solution

Over the last one and a half decades the absolute size and proportion of the retail finance portfolios has become progressively larger. Since the credit bureau's have become active the quality of credit has improved, however, there is substantial written off stock in the inventory of banks and finance companies.

Credit Policy and Procedure Review

A large finance company engaged primarily in lending to SME clients had built up a sizeable all India portfolio across industries. The portfolio was performing well be all credit indicators. The CEO wanted an independent advisory as to the adequacy of their policies and procedures.


Our clients engage us on two types of strategy formulation. The first comprises of the entire gamut of products and what the Bank or Finance Company should focus on. The other is more specific and comprises of development of specific products based on the attributes or strengths of the lender.

Case Studies

  • Evaluation, Procurement and Implementation of a Loan Management System

    Business RequirementIndia’s leading NBFC wanted to upgrade from a legacy system to a new advanced loan management system.

  • Designing Cross-Sell strategy

    Business Requirement: Our client, a leading financial services firm, had been registering robust new account growth. Since the cross sell volume was rather low, the business wanted to focus on their large customer base for cross selling a range of financial products.

  • Creating the credit policy and portfolio health indicators

    Business Requirement: 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.

  • Ensuring profits through a robust structure

    Business Requirement: Our client, a midsized Private bank, asked us to review their Mortgage credit policy and procedures to ensure that they were robust in supporting profitable and aggressive new asset growth.

  • Identifying underlying risks

    Business Requirement: 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.

  • Forecasting losses aided better management and recovery

    Business Requirement: Our client, a mid-sized Private Bank was incurring high credit losses in their loan portfolio. The management was unable to predict the monthly loss run rate and ascertain which segments within the overall portfolio were likely to contribute to disproportionately higher losses.



  • We started working with ATS Services in the year 2003. ATS Services worked with the SBI cards team to pioneer an industry leading online verification process that became the bedrock of our expansion and growth plans. During the course of engagement we launched many products and initiated many processes at ATS Services. The company maintained the consistency in results that was appreciated and acknowledged all throughout the region. The ...

    Paramdeep Singh
    Vice President
    Insurance, SBI Cards
  • We have worked on two projects with ATS Services in our technology area. The first consulting assignment comprised of an evaluation of our core system requirements and recommending the best system based on our need. A joint team of ATS Services and our employees developed an RFP, responses were reviewed and detailed technical and commercial discussions were held with the three most competitive quotes. ATS Services worked with us on clos...

    Sharad Agarwal
    Chief Technology Officer
    Religare Finvest
  • Our association with ATS Services goes back many years. Soon after we commenced business, we invited ATS Services to work with us to select and purchase an appropriate Loan system for our needs. ATS Services brought in the technical expertise and experience to assess available Loan Systems and identify the key functionality that we required. They worked with us to design an appropriate RFP, which was circulated to the top three loan sy...

    Kavi Arora
    Managing Director & CEO
    Religare Finvest Limited