CREDIT SERIES-1- Numbers are numbers

Case I- Compare peer profitability and understand  leverage This was one of the key auto ancillary player. Fantastic profitability and excellent rating. I was doing a research on the margins across the value chain in this industry few years back. Even the most niche and sophisticated product in auto ancillary chain was not making the… Continue reading CREDIT SERIES-1- Numbers are numbers


Credit Series- Introduction

Spending 13 years in similar domain can be boring or can be interesting. So here I will be sharing some interesting observations I came across in this period. To start with these are the points I came across while doing credit/ risk assessment over this period. For those not part of BFSI, these are the… Continue reading Credit Series- Introduction


Outsourcing- Yesterdays core, Today’s non-core

15 years back I started my first assignment with a company which used to help lenders- Banks and HFC’s outsource their activity on collections and recoveries so that they can focus on their core activities. Not all organizations had dedicated collections and recovery team at that time and the ones which had, didn’t had the… Continue reading Outsourcing- Yesterdays core, Today’s non-core