VTF

Identity Verification

Ensuring the authenticity of an applicant’s identity through: 

  • Biometric Authentication: Verifying identity using fingerprints or facial recognition. 
  • Digital KYC (Know Your Customer): Validation of identity documents like Aadhar, PAN, passport, etc. 
  • Document Validation: Cross-checking submitted identity proofs for accuracy and legitimacy. 

Benefits

Address Verification

We confirm both residential and office addresses to validate applicant stability: 

  • Digital Address Checks: Leveraging technology to confirm registered addresses. 
  • Physical Address Verification: On-ground verification by field agents for enhanced accuracy. 
  • Geolocation Tools: Using GPS-based tools for address validation. 

Benefits

Employment Verification

Verifying an applicant’s employment status, income stability, and workplace details: 

  • Current Employment Verification: Confirming job title, employer details, and tenure. 
  • Previous Employment History: Ensuring consistency in employment records. 
  • Salary Slip Validation: Cross-referencing salary data to assess income reliability. 

Benefits

Income and Financial Verification

Evaluating an applicant’s financial capacity to repay loans: 

  • Bank Statement Analysis: Identifying income trends, spending habits, and loan repayment behavior. 
  • Income Tax Return (ITR) Checks: Ensuring reported income matches financial documents. 
  • Loan Repayment Capacity: Assessing applicant’s debt-to-income ratio. 

Benefits

Credit Behavior Analysis

Analyzing credit history to determine the applicant’s financial discipline: 

  • Credit Report Checks: Assessing credit scores, repayment patterns, and defaults. 
  • Loan and Card History: Reviewing past liabilities and payment behavior. 
  • Debt Burden Assessment: Identifying multiple ongoing loans or defaults. 

Benefits

Social Media and Lifestyle Analysis

Providing lifestyle insights for high-value loans using ethical and compliant methods: 

  • Digital Footprint Analysis: Assessing online behavior and spending patterns. 
  • Lifestyle Indicators: Cross-referencing lifestyle details with declared income and assets. 

Benefits

Asset and Liability Validation

We validate the declared assets and liabilities of applicants, including: 

  • Property Ownership Checks: Verifying ownership documents and registrations. 
  • Asset Declaration Validation: Cross-checking investments, vehicles, and other declared assets. 
  • Outstanding Liabilities: Identifying existing loans, credit card balances, and financial obligations. 

Benefits

Field Verification Services

On-ground verification by experienced professionals for: 

  • Residential and Office Address Checks 
  • Business and Employment Verification 
  • Asset Validation (physical checks of properties, vehicles, etc.) 

Benefits

Advance Tools and Technology We Leverage

AI-Based Automation

Faster and accurate verification of documents.

Geolocation Tools

For address verification and tracking.

Data Analytics

Advanced tools for financial and credit assessment.

Digital KYC Platforms

Ensuring seamless identity verification.

Why Choose VirtualTeam ?

Covering all aspects of applicant verification under one roof. 

Leveraging advanced tools for faster, accurate results. 

Expert teams for both digital and on-ground verification.

Adhering to AML, GDPR, and regulatory standards. 

Helping lenders identify red flags and minimize loan defaults. 

Industries We Support

Better Environment

Better Tomorrow