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    Presentation by Arun Thukral, MD CIBIL

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    saadsaaid
    CIBIL is the risk management partner for all lending institutions in India. Founded in 2001 Members: banks, financial institutions, NBFC(s), credit card companies, etc. Over 800 Database Consumer Bureau Credit information on Individuals Over 220 million records Commercial Bureau credit information on Businesses Over 10 million records.

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    Presentation by Arun Thukral, MD CIBIL

    Uploaded by

    saadsaaid
    135 views14 pages
    CIBIL is the risk management partner for all lending institutions in India. Founded in 2001 Members: banks, financial institutions, NBFC(s), credit card companies, etc. Over 800 Database Consumer Bureau Credit information on Individuals Over 220 million records Commercial Bureau credit information on Businesses Over 10 million records.

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    CIBIL is the risk management partner for all lending institutions in India. Founded in 2001 Members: banks, financial institutions, NBFC(s), credit card companies, etc. Over 800 Database Consumer Bureau Credit information on Individuals Over 220 million records Commercial Bureau credit information on Businesses Over 10 million records.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    135 views14 pages

    Presentation by Arun Thukral, MD CIBIL

    Uploaded by

    saadsaaid
    CIBIL is the risk management partner for all lending institutions in India. Founded in 2001 Members: banks, financial institutions, NBFC(s), credit card companies, etc. Over 800 Database Consumer Bureau Credit information on Individuals Over 220 million records Commercial Bureau credit information on Businesses Over 10 million records.

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    CIBIL

    Helping banks in effective SME credit decisioning

    Arun Thukral

    Facts about CIBIL


    Founded in 2001 Members: Credit institutions in India (Banks, Financial Institutions, NBFC(s), Credit Card Companies, etc Membership base: Over 800 Database
    Consumer Bureau
    Credit information on Individuals Over 220 million records

    Commercial Bureau

    Credit information on Businesses Over 10 million records

    2012 ALL RIGHTS RESERVED | CIBIL PRIVATE

    CIBIL Shareholders

    2012 ALL RIGHTS RESERVED | CIBIL PRIVATE

    CIBIL is the risk management partner for all lending institutions in India

    CIBIL is the leading CIC in India

    Accelerates solution offerings Advanced Analytical tools Commercial Database First and only credit bureau
    CIBIL is Established
    4 million consumer records 0.6 million commercial records Consumer Portfolio review reports CIBIL TransUnion Score Personal Loan Score Bureau Credit Characteristics CIBIL Custom Solutions First central repository on Fraud and Mortgage Direct Consumer Access CIBIL Detect CIBIL Mortgage Check CIBIL Watchlist

    2004

    2005

    2007

    2009

    2012 ALL RIGHTS RESERVED | CIBIL PRIVATE

    Changes in regulatory environment brought about significant developments in the Indian credit information space
    Consent
    Eliminates the need for consent to share data

    Accurate information

    Credit Information Companies Act, 2005

    Mandates information submitted to be accurate and updated

    Complete Information
    Requires reporting of complete information of the portfolio

    Timely Information
    Mandates information to be timely- at least on a monthly frequency

    Inclusion of other sectors

    Establishes RBI as CIC Regulator

    Allows telecommunications and insurance companies access to CIC credit information

    Report access
    Gives borrowers the right to access their credit information report from a CIC

    2012 ALL RIGHTS RESERVED | CIBIL PRIVATE

    How banks use CIBIL?

    Acquisition Portfolio Management Collection

    Fraud Control
    CIBIL Detect CIBIL Mortgage Check

    Market Insights Portfolio Reviews

    Credit Risk Management

    Market Analysis & Benchmarking

    CIBIL is the trusted partner in risk management for the credit sector
    2012 ALL RIGHTS RESERVED | CIBIL PRIVATE

    Impact of CIBIL on credit growth

    2012 ALL RIGHTS RESERVED | CIBIL PRIVATE

    Usage of Bureau in Credit Decisioning

    Bureau usage in SME Credit decisioning


    Loan Application Short-Term Mid-Term Long-Term

    CIBIL Proprietor / Owner/ Director Check

    SME Customer

    Bank

    Business Entity Check

    Fraud Check

    Credit Managers

    Property Check

    Electronic PDF format format Output


    2012 ALL RIGHTS RESERVED | CIBIL PRIVATE

    Portfolio Review

    Paying you today but Delinquent Outside !

    Risk Management / Credit Monitoring

    Recovery / Collections

    Delinquent with you but Paying Outside !

    Portfolio Review
    They were good with you but still went Outside ! They are good with you but looking for more outside !

    Lost Opportunities

    Prospective Opportunities

    2012 ALL RIGHTS RESERVED | CIBIL PRIVATE

    CIBIL Solutions

    Robust set of solutions basis market requirements


    CIBIL TransUnion Risk Score CIBIL TransUnion Personal Loan Score Bureau Credit Characteristics CIBIL Custom Solutions

    CIBIL Market Insights CIBIL Retro Scores Portfolio Review Reports CIBIL Mortgage Check CIBIL Detect

    Consumer and Commercial Credit Reports CIBIL Locate Plus CIBIL Watch List

    2012 ALL RIGHTS RESERVED | CIBIL PRIVATE

    CIBIL provides tools to enable smarter, more strategic decisions at every stage of the credit lifecycle
    Account Acquisition Portfolio Management Collections / Recovery

    CIBIL TU TOOLS

    KEY ISSUES

    Verification? Accept / reject? Tier pricing? Initial credit line?

    Credit line? Authorize? Pricing? Customer service levels? Market intelligence?

    Collection Prioritization? Effective contact? Treatment Strategies? Outsourcing? Resource Allocation?

    Credit Information Reports Bureau Scores Fraud Prevention tools Bureau Characteristics

    Custom Behavior Scores Segmentation Analysis Benchmarking Decision Trees Stress Testing

    Contact information Bureau Characteristics Segmentation Analysis Optimization Strategies

    Credit-bureau based tools generic scores, characteristics, etc. are indispensible for effective decision management in consumer credit
    13 2012 ALL RIGHTS RESERVED | CIBIL PRIVATE

    Thank You

    2012 ALL RIGHTS RESERVED | CIBIL PRIVATE

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