We analyze and segment debt portfolios to identify value and risk levels:
Age of Delinquency: Segmentation based on the overdue period (early-stage, mid-stage, or late-stage debts).
Debt Type Analysis: Categorization of secured, unsecured, and NPA (Non-Performing Asset) debts.
Value Segmentation: Classifying high-value, medium, and low-value accounts for targeted analysis.
We estimate the potential recovery rate of debt portfolios based on:
Historical Performance: Analyzing past collection success and repayment trends.
Debtor Behavior Analysis: Insights into repayment willingness and financial capacity.
Market Conditions: Impact of economic trends, legal frameworks, and sector-specific factors.
For secured portfolios, we validate the underlying assets and identify risk exposure:
Asset Valuation: Assessing the market value of properties, vehicles, or collateral linked to the debts.
Liability Assessment: Identifying existing financial obligations and outstanding liabilities of borrowers.
Ownership Verification: Cross-checking legal ownership and asset documentation.
We conduct thorough checks to evaluate legal risks and compliance adherence within the portfolio:
Litigation Analysis: Assessing pending or ongoing legal cases that impact recovery.
Regulatory Compliance: Ensuring portfolios align with local and international debt collection laws.
Document Audit: Verifying loan agreements, repayment records, and customer data.
We provide detailed financial models to assess portfolio performance post-acquisition:
Cash Flow Projections: Estimating monthly or quarterly recoveries.
Break-Even Analysis: Determining timelines for return on investment (ROI).
Profitability Forecast: Calculating expected margins after acquisition costs and recovery expenses.
To analyze portfolio performance, trends, and debtor segmentation.
For accurate validation of assets and debtor data.
Forecast recovery probabilities and cash flow timelines.
Seamless tracking and evaluation of large volumes of accounts.
A team of experienced financial analysts and portfolio evaluators.
Advanced tools to deliver accurate portfolio value assessments.
From analysis and segmentation to forecasting and compliance checks.
Identifying red flags and ensuring transparent evaluations.
Experience in managing portfolios across India, UAE, and international markets.
Ensuring transparency in pricing and negotiation.
Identifying weak-performing debts and legal challenges.
Data-driven insights for profitable acquisitions.
Highlighting strategies for post-acquisition recoveries.