I forgot GOOD things

There comes some situations which makes me think again and again on reason why something happened. Obviously those are during the instances which makes feel uncomfortable or unhappy. The ones in which there is no discomfort, at times are forgotten. In life's journey we experience the challenges which may not always be exciting . But… Continue reading I forgot GOOD things


Do you share in office?

Today I was telling my 3 year old a story to make her understand SHARING of things. I was telling her how it can be so much fun if she and her cousin will share their toys. Both can have more fun and more options to play with. Similarly in the story one kid doesn’t… Continue reading Do you share in office?


It’s not a step but entire process

Last 50 decades saw the shift from the practice of a person being jack of all trades making way for specialists. Specialists brought in focus on the skills, accountability and final goods or service delivery. So a banker traditionally used to handled entire customer experience from first visit to disbursement to final repayment. Now, from cold calling to document collection to credit evaluation, documentation, disbursement, servicing and… Continue reading It’s not a step but entire process


CREDIT SERIES-6- MIS-match in numbers

Numbers if don’t match there is a story to be uncovered. Other key number to look at other than financials is the regular MIS in form of stock, book debt statement and creditors statement. Listing some common practises which helped understand the business better and identify signs which helped decision- Compare the difference between the… Continue reading CREDIT SERIES-6- MIS-match in numbers


Credit Series-5- Everything looking bad is not always bad.

Take a look at the below numbers. Good, Bad or ugly seeing years 1-3 ?  On face of it, will fall in last two categories on first glance. There were lot of factors playing at same time in it- Extraordinary income and expenses. Fluctuating sales. High borrowing vs sales. But also what this company continued… Continue reading Credit Series-5- Everything looking bad is not always bad.



Case –II – Stock Market Data Market movement of share prices and market cap is one of the most intelligent indexes especially if it’s a homogenous business and there is adequate free float. So there was this company which was into lending for a certain asset class. Key performance indicators of the lending business –… Continue reading CREDIT SERIES-4- MARKET INTELLIGENCE



If market intelligence points to something, explore that further We have all been caught with surprise on a number of occasions when an account always repaying on time suddenly starts delaying. So my experience is that it is something which starts showing signs in other areas as well before it starts in the delay mode.… Continue reading CREDIT SERIES-3- MARKET INTELLIGENCE