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Due Diligence

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Analysis of Commercial Credit Bureau Reports
Digital Lending

Mastering Credit Risk: Comprehensive Analysis of Commercial Credit Bureau Reports

April 25, 2025 precisateam No comments yet

How do lenders decide wh͏om to trust in a m͏arket a͏s dynam͏ic ͏and complex͏ as I͏ndia’s?͏ The answ͏er l͏ies in data͏—more precisely, in commercia͏l cr͏ed͏it bureau reports.  These reports, prov͏ided by reputable͏ agen͏cies like CIBIL, CRIF͏ High ͏Mark, Experian, and Equifax,͏ offer a co͏mprehensive vie͏w o͏f a company’s͏ ͏creditwo͏rt͏hine͏s͏s.  As businesses seek loans, working capital, […]

Optimising-Loan-Against-Security-Strategies-for-Lenders
Fintech

Optimising Loan Against Security: Strategies for Lenders to Maximize Returns

January 8, 2025 precisateam No comments yet

Financial institutions are witnessing a significant shift towards secured lending products, with Loan Against Security (LAS) emerging as a preferred financing solution. This trend is evident from PolicyBazaar’s recent strategic focus on LAS as one of the key growth areas in their credit marketplace.  Its potential expansion is further underscored by increasing financial literacy and […]

5 Ways Lenders Can Prevent Economic Offences and Financial Crimes
Digital Lending

5 Ways Lenders Can Prevent Economic Offences and Financial Crimes

December 27, 2024 precisateam No comments yet

The Indian police registered approximately 193,000 economic offences in 2022, an 11% growth from the previous year. These crimes accounted for 5.4% of all the crimes reported that year. Furthermore, the National Crime Records Bureau (NCRB) has broadly divided economic offences into three main categories: criminal breach of trust, counterfeiting and forgery, and cheating and […]

Credit Report Analysis
Bank Statement Analysis

Credit Report Analysis: Trends Shaping the Future of Risk Assessment in Lending

October 4, 2024 precisateam No comments yet

Analysing a potential borrower’s creditworthiness comes with multiple challenges. For instance, lenders struggle with limited access to a borrower’s financial data, manual underwriting processes, and inadequate fraud detection techniques. These challenges reduce the accuracy of credit report analysis. On the other hand, borrowers remain at the receiving end of a slow turnaround on loan applications. […]

DPD in finance
Credit Appraisal

Analysing the Relationship Between Loan Terms and DPD in Finance

September 25, 2024 precisateam No comments yet

As lenders scale their operations, it becomes more important for them to gauge a borrower’s creditworthiness with accuracy. Otherwise, it can lead to the growth of non-performing assets (NPAs) and more delinquencies. As of March 2024, the percentage of gross non-performing assets (GNPA) in India was as follows: 1.2% per personal loan, 6.2% in the […]

When Should a Bank Apply Customer Due Diligence
Digital Lending

When Should a Bank Apply Customer Due Diligence: Aligning Timing with Evolving Guidelines

May 30, 2024 precisateam No comments yet

When it comes to fighting financial crimes like money laundering and financing of terrorism, deciding when should a bank apply Customer Due Diligence (CDD) has become critical. Knowing your customer remains one of the primary bulwarks and one of the four fundamental components of an Anti-Money Laundering (AML) compliance programme. This entails confirming customers and […]

early warning signals in banks for liquidity profile
Bank Statement Analysis

Early Warning Signals in Banks for Liquidity Profile of Businesses

December 15, 2023 precisateam No comments yet

Early warning signals (EWS) are indicators that help banks identify potential liquidity problems in businesses before they become critical. These signals help banks proactively manage their exposure and protect themselves from losses. The liquidity of a business is reflected in the abundance of its cash and readily convertible cash equivalents. Lenders prefer borrowers who have […]

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