In lending, performance is often measured through familiar numbers such as AUM growth, disbursements, approval rates and turnaround time. These metrics are important indicators of business performance, but they do not always provide a complete picture of whether a lender is growing sustainably. A loan book can grow rapidly while credit costs rise, collections become […]

Agreeing to stand as a guarantor is often treated as a routine formality – a signature offered to help a family member or friend clear a lender’s eligibility bar. In practice, it is a financial commitment that carries nearly the same weight as taking the loan itself. A guarantor is an individual or entity who […]

Why third-party dependencies are becoming a strategic consideration for HFCs and NBFCs As HFCs and NBFCs scale, outsourcing has become an important enabler of growth. From field verification and property assessment to technology, collections, document processing and customer acquisition, third-party partners can provide specialised capabilities, geographic reach and operating flexibility that may be difficult to […]

Taking a loan for the first time is a common milestone in most people’s financial lives. It may happen while pursuing higher education, buying a first vehicle, or managing an unexpected expense. In most cases, this is also the first time an individual is required to understand concepts such as interest rates, tenure and repayment […]

In an increasingly digital lending environment, significant attention is being placed on technology, analytics and automated credit decisioning. Yet, for lenders operating through branch- and field-intensive models, one of the most critical elements of the lending value chain remains on the ground: the Field Officer (FOS).  The FOS is often the first meaningful point of […]