Draft Prospectus - India Infoline Finance Limited
Draft Prospectus - India Infoline Finance Limited
Draft Prospectus - India Infoline Finance Limited
Create successful ePaper yourself
Turn your PDF publications into a flip-book with our unique Google optimized e-Paper software.
<strong>India</strong> <strong>Infoline</strong> Investment Services <strong>Limited</strong><br />
other allied KYC procedures offers us a significant competitive advantage. Our systems have the capability of end to<br />
end customer data capture, computation of income, margin monitoring, collateral management, initiating reports<br />
through system, delinquency management and repayment management. Our loan approval is automated and<br />
controlled by the loan application system. We believe our monthly analytics reports–through–the-door and credit–<br />
information tracking is an efficient tool for ensuring risk management-controls & compliance. Technology also<br />
facilitates risk management through analytics and MIS. The system generates daily/ monthly portfolio, quality report<br />
which are used for risk management, credit and collection performance review. The system generates extensive MISs<br />
by various segments.<br />
Our systems are custom designed for our services and help us reduce people contact time and enhance our processes<br />
and operational excellence. Our systems fully integrate businesses in every aspect bringing together various<br />
departments in simple transitions and customer information updates. Technology gives us the ability to integrate cash<br />
flows in real time and allows us better informed decision making with instantaneous access to record and<br />
information.<br />
OUR STRATEGIES<br />
Our key strategic priorities are as follows:<br />
Enhancing the product bouquet<br />
We are focused on expanding our product portfolio, which now also includes financing for medical equipments and<br />
project loans. We are in the process of introducing loans to educational institutions. We believe by introducing new<br />
product lines we will be able to better satisfy our client needs and will further aid portfolio diversification. Further,<br />
this will help us to maintain relations with the customer throughout the product lifecycle and also offer us an<br />
opportunity for repeat business and cross selling of other products.<br />
Widening the Distribution Network<br />
A good reach is very important in our business. Business potential & competitor experience are some of the key<br />
factors considered for expansion. Portfolio performance and profitability are the factors that drive the branch<br />
network. Currently we are present in key locations for sourcing business which have historically displayed a sound<br />
credit performance. We intend to further leverage on the distribution network of our Promoter and at the same time<br />
expand our network based on the credit experience of our team and the competitors.<br />
Building a robust IT infrastructure and IT systems<br />
We have our own proprietary system for loan processing & booking. The in-house loan application system has been<br />
built utilizing the expertise of the business & technology teams. We also source best in-class IT infrastructure from<br />
reputed vendors. We will continue to invest in our IT infrastructure as we believe technology & better system driven<br />
processes will aid us in growth without comprising on the quality of assets/customers. We intend to boost our central<br />
operations management systems in order to enhance our response time and provide better and faster customer service.<br />
Focusing on Large Ticket High Quality Business<br />
We wish to increase our focus on large ticket loan transactions with very good credit quality of borrowers having<br />
single or diversified collaterals. We believe that these transactions will help us significantly increase the size of the<br />
book leveraging upon our existing resources. Given our high capital adequacy ratio there is a significant scope to<br />
increase our Loan Book at competitive loan spreads and a very high credit quality on both promoter and HNI<br />
funding.<br />
Strengthen our operating processes and risk management systems<br />
Risk management forms an integral part of our business as we are exposed to various risks. The objective of our risk<br />
management systems is to measure and monitor the various risks we are subject to and to implement policies and<br />
procedures to address such risks. We intend to continue to improve our operating processes and risk management<br />
systems that will further enhance our ability to manage the risks inherent to our business.<br />
11
Change language