This service is exclusively for Banks. We can conduct a complete business audit of Corporate and Consumer portfolios and publish management reports.

 

Corporate Portfolio Audit

We conduct a comprehensive review of the corporate portfolio and issue a report evaluating:

• The adequacy of the target market and acquisition process

• Credit initiation adequacy

• The quality of the analysis and ongoing account management

• Staffing adequacy and quality

• Problem recognition and remedial management processes

• The degree of impairment (if any) in the individual credits

• Compliance and adherence to corporate policies and procedures

• Overall portfolio rating and shortfall in the process and individual credits with recommendation for corrective actions and provision adequacy

 

Consumer Portfolio Audit

We conduct a comprehensive review of the consumer portfolios and publish a report on:

• Profitability

• Delinquency profiles, both on lagged and co-incidental basis

• Customer acquisition benchmarks

• Collection systems and strategy

• Delivery and system support

• Write offs and recoveries

• Demographic analysis and specific vulnerabilities if any attached to a particular demographic profile.

• Compliance, Know Your Customer (KYC), anti- money laundering and adherence to the policies and procedures.