INDIA INFOLINE FINANCE LIMITED - Securities and Exchange ...

India Infoline Finance Limited
The members of our executive management team have significant experience in the products and services
offered by us. We believe that our senior management and talented and experienced executives are and would
continue to be the principal drivers of our growth and success in all of our businesses. We believe that the
extensive relevant experience and financial acumen of our management and executives provides us with a
distinct competitive advantage. Our management organization structure is designed to support each product line
by a dedicated team of executives with substantial experience in their particular business segment.
Technology, Analytics and Credit bureau usage
We believe that our robust loan management system, analytics ability & extensive usage of the credit bureau
and other allied KYC procedures offers us a significant competitive advantage. Our systems have the capability
of end to end customer data capture, computation of income, margin monitoring, collateral data capture and
repayment management. Our loan approval is controlled by the loan application system. We believe our
monthly analytics reports including–through–the-door and credit–information tracking are efficient tools for
ensuring risk management-controls & compliance.
Our systems are custom designed for our services and help us reduce people contact time and enhance our
processes and operational excellence. Our systems fully integrate businesses in every aspect bringing together
various departments in simple transitions and customer information updates. Technology gives us the ability to
integrate cash flows in real time and allows us better informed decision making with instantaneous access to
record and information.
OUR STRATEGIES
Our key strategic priorities are as follows:
Focus on retail and secured lending
We wish to increase our focus on diversified secured loan portfolio in niche and promising segments including
home loans, loans against property, loans against securities, gold loans etc by utilizing the gold loan branch
network to reach across the country. This business is intended to provide scale & diversify the risk across
geographies, industries & collaterals. We will try to continue to source a 100% secured book with high quality
of credit.
Enhancing the product bouquet
We are focused on expanding our product portfolio, which now also includes financing for medical equipments
and project loans. We believe by introducing new product lines we will be able to better satisfy our client needs
and will further aid portfolio diversification. Further, this will help us to maintain relations with the customer
throughout the product lifecycle and also offer us an opportunity for repeat business and cross selling of other
products.
Widening the Distribution Network
A good reach is very important in our business. Business potential & competitor experience are some of the key
factors considered for expansion. Portfolio performance and profitability are the factors that drive the branch
network. Currently most of our businesses are present in key locations for sourcing businesses which have
historically displayed a sound credit performance. We intend to further leverage on the distribution network by
integrating all products with the Gold Loan Branch Network based on the credit experience of our team and the
competitors.
Building a robust IT infrastructure and IT systems
We have our own proprietary system for loan processing & booking. The in-house loan application system has
been built utilizing the expertise of the business & technology teams. We also source best in-class IT
infrastructure from reputed vendors. We will continue to invest in our IT infrastructure as we believe technology
& better system driven processes will aid us in growth without comprising on the quality of assets/customers.
Strengthen our operating processes and risk management systems
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