We conduct diagnostic and feasibility studies, covering policy, processes (SOP), cost efficiency and review of enabling technology. We help in forming business and sourcing strategies for our clients. We review and recommend the development of credit appraisal techniques and loan documentation creation.
We facilitate reviewing and developing loan policies and processes for underwriting, disbursement, post-disbursement and recoveries. We provide our services across domestic and international geographies. Our advisory services ranges from Board level to “hands-on” operational level involvement.
Housing Finance
Recent years have seen significant changes in how consumers borrow, lenders extend credit, and regulators monitor this industry. Existing lenders have broadened their reach, newcomers have made significant advancements, and the industry is continually evolving.
Housing Finance is one of the foundations of retail lending. By its very nature, it requires careful evaluation of a wide range of complexities. Addressing the considerable risks of retail lending is crucial to developing a solid portfolio and ensuring growth and quality. With fact-based decision-making integrated into daily operations from the boardroom to the frontline, Athena wants to assist clients in becoming influential, process-driven companies ultimately resulting in DOTS – Discipline, Organization, Technology, Standardization
What we do?
Conducting diagnostic and feasibility studies
Strategy planning
Scoring mechanisms to underline repayment ability based on information
Conducting training programs for service delivery and soft skills
Business development/Sourcing strategy
Helping technology work with you by facilitating modification and training of the system to integrate with business processes
Reviewing, developing and documenting loan policies and appraisal techniques
Reviewing, developing and documenting loan processes and documents creation
Identifying various risks and providing a mitigation plan
Reviewing, developing policies and processes for underwriting, disbursement, operations, post disbursement and recoveries
Reviewing, developing polices and processes for human resource management and MIS
Analyzing rejects by profiling customers and mapping subsequent repayment patterns resulting in increased sanction ratio
Credit Information
For about 200 years, Credit Bureaus have been one of the lender’s primary sources of risk reduction measures. Compared to other locations, South Asia, the Middle East, and Africa have more recent Credit Bureau histories. Several important issues, including privacy and confidentiality, legislation, data quality, technology, de-duping logic, and stakeholder acceptance, are brought up by the demand for Credit Bureaus in emerging economies financial infrastructure.
Having had experience in establishing Bureaus in several countries in the region, Athena consults on every aspect of the Credit Bureau business.
- Support and facilitate business development and Marketing
- Support and facilitate business development and Marketing
- Support and facilitate business development and Marketing
What we do?
Conduct feasibility studies
Support and facilitate business development
Evaluate, recommend and develop regulatory and legal frameworks
Facilitate development of credit scores, products and value-adds
Creating stakeholder awareness and capacity building
Gather business requirements for the Bureau
Plan and support Bureau operations
Supports development of the de-duping and matching logic
Develop capabilities for HR, Training and MIS