+91-129- 6612001


Based on our extensive, sector-specific experience, our company focuses on providing retail and SME credit portfolio evaluation and repair, analytics based solutions to optimize risk v/s revenue dynamics, credit/business MIS. In addition, we are proficient at designing and executing financial product acquisition, customer retention and cross-sell programs.

Risk Management Consulting
Our consulting services are focused on Banks and Finance Companies and fall into the following categories:

  • Business Strategy
    Largely in the area of product design with focus on risk
  • Portfolio Risk Assessment and Repair
    Business/portfolio assessment, repair, process and procedures, underwriting process, collection strategy, operational risk assessment of vendors
  • Data Analytics
    Our capability comprises along three broad areas:
    1. Data Management, assessment of data available and work associated in getting a single customer view
    2. Customer intelligence: design and build of the model
    3. Campaign management: infrastructure set up, performance tracking and changes required to get the desired outcome.
  • Credit Infrastructure
    Our capability here comprises of development of scorecards both application and others, CRM requirements, design, development and implementation of credit MIS as well as BI, collection strategy, choosing external agencies, process and procedures of goal setting and monitoring of collection agencies.

Engagement Model 
We are open to consulting arrangements either as individual subject matter experts or for specific projects where we work as a team for a predetermined time and outcome.

Case Studies

  • Evaluation, Procurement and Implementation of a Loan Management System

    Business RequirementIndia’s leading NBFC wanted to upgrade from a legacy system to a new advanced loan management system.

  • Designing Cross-Sell strategy

    Business Requirement: Our client, a leading financial services firm, had been registering robust new account growth. Since the cross sell volume was rather low, the business wanted to focus on their large customer base for cross selling a range of financial products.

  • Creating the credit policy and portfolio health indicators

    Business Requirement: The client wanted us to review the existing portfolio dynamics, credit policy and procedures with a forward looking bias to identify issues which impact credit quality of this portfolio.

  • Ensuring profits through a robust structure

    Business Requirement: Our client, a midsized Private bank, asked us to review their Mortgage credit policy and procedures to ensure that they were robust in supporting profitable and aggressive new asset growth.

  • Identifying underlying risks

    Business Requirement: The portfolio’s credit performance is excellent; however, the mix was changing as larger ticket LAP Loans were being initiated since the yields on these loans are higher vs. those of traditional Home Loans. Accordingly, the client was concerned about any systemic risk that may be building up in this portfolio despite the very satisfactorily portfolio performance.

  • Forecasting losses aided better management and recovery

    Business Requirement: Our client, a mid-sized Private Bank was incurring high credit losses in their loan portfolio. The management was unable to predict the monthly loss run rate and ascertain which segments within the overall portfolio were likely to contribute to disproportionately higher losses.



  • We started working with ATS Services in the year 2003. ATS Services worked with the SBI cards team to pioneer an industry leading online verification process that became the bedrock of our expansion and growth plans. During the course of engagement we launched many products and initiated many processes at ATS Services. The company maintained the consistency in results that was appreciated and acknowledged all throughout the region. The ...

    Paramdeep Singh
    Vice President
    Insurance, SBI Cards
  • We have worked on two projects with ATS Services in our technology area. The first consulting assignment comprised of an evaluation of our core system requirements and recommending the best system based on our need. A joint team of ATS Services and our employees developed an RFP, responses were reviewed and detailed technical and commercial discussions were held with the three most competitive quotes. ATS Services worked with us on clos...

    Sharad Agarwal
    Chief Technology Officer
    Religare Finvest
  • Our association with ATS Services goes back many years. Soon after we commenced business, we invited ATS Services to work with us to select and purchase an appropriate Loan system for our needs. ATS Services brought in the technical expertise and experience to assess available Loan Systems and identify the key functionality that we required. They worked with us to design an appropriate RFP, which was circulated to the top three loan sy...

    Kavi Arora
    Managing Director & CEO
    Religare Finvest Limited