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7/28/2019 Presentation by Arun Thukral, MD CIBIL
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CIBIL
Helping banks in effective SME credit decisioning
Arun Thukral
7/28/2019 Presentation by Arun Thukral, MD CIBIL
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2012 ALL RIGHTS RESERVED | CIBIL PRIVATE
Founded in 2001
Members: Credit institutions in India (Banks, Financial
Institutions, NBFC(s), Credit Card Companies, etc
Membership base: Over 800
Database
Facts about CIBIL
Credit information on Individuals
Over 220 million recordsConsumer Bureau
Credit information on Businesses
Over 10 million recordsCommercial Bureau
7/28/2019 Presentation by Arun Thukral, MD CIBIL
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2012 ALL RIGHTS RESERVED | CIBIL PRIVATE
CIBIL Shareholders
7/28/2019 Presentation by Arun Thukral, MD CIBIL
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2012 ALL RIGHTS RESERVED | CIBIL PRIVATE
CIBIL is the risk management partner for all lending
institutions in India
CIBILis
Established
CIBIL
isth
eleading
CICin
India
2004 2005 20092007
First and only
credit bureau
4 million consumer
records
Commercial
Database
0.6 million commercial
records
Consumer Portfolio
review reports
Advanced
Analytical tools
CIBIL TransUnion Score
Personal Loan Score
Bureau CreditCharacteristics
CIBIL Custom Solutions
Accelerates
solution
offerings
First central repository on
Fraud and Mortgage
Direct Consumer Access
CIBIL Detect
CIBIL Mortgage Check
CIBIL Watchlist
7/28/2019 Presentation by Arun Thukral, MD CIBIL
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2012 ALL RIGHTS RESERVED | CIBIL PRIVATE
Changes in regulatory environment brought about
significant developments in the Indian credit
information space
Complete InformationRequires reporting of complete information
of the portfolio
Timely Information
Mandates information to be timely- at leaston a monthly frequency
Consent
Eliminates the need for consent to sharedata
Inclusion of other sectors
Allows telecommunications and insurancecompanies access to CIC credit information
Report access
Gives borrowers the right to access theircredit information report from a CIC
Accurate information
Mandates information submitted to beaccurate and updatedCredit Information
Companies Act,
2005
Establishes RBI as CIC
Regulator
7/28/2019 Presentation by Arun Thukral, MD CIBIL
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2012 ALL RIGHTS RESERVED | CIBIL PRIVATE
How banks use CIBIL?
Acquisition Portfolio
Management
Collection
Credit Risk
Management
CIBIL Detect
CIBIL MortgageCheck
Fraud Control
Market Insights Portfolio
Reviews
Market Analysis
& Benchmarking
CIBIL is the trusted partner in r isk m anagement for th e credi t sector
7/28/2019 Presentation by Arun Thukral, MD CIBIL
7/14 2012 ALL RIGHTS RESERVED | CIBIL PRIVATE
Impact of CIBIL on credit growth
7/28/2019 Presentation by Arun Thukral, MD CIBIL
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Usage of Bureau in Credit Decisioning
7/28/2019 Presentation by Arun Thukral, MD CIBIL
9/14 2012 ALL RIGHTS RESERVED | CIBIL PRIVATE
Bureau usage in SME Credit decisioning
Bank
Electronic
format
PDF format
Output
Credit
Managers
CIBIL
Proprietor /
Owner/
Director Check
Business
Entity Check
Fraud Check
Property Check
SME Customer
Loan
Application
Short-Term Mid-Term
Long-Term
7/28/2019 Presentation by Arun Thukral, MD CIBIL
10/14 2012 ALL RIGHTS RESERVED | CIBIL PRIVATE
Portfolio Review
Paying you
today but
Delinquent
Outside !
Delinquent with
you but
Paying
Outside !
They were
good with
you but stillwent Outside !
They are good
with you but
looking formore outside !
RiskManagement /
Credit Monitoring
Recovery /Collections
LostOpportunities
ProspectiveOpportunities
PortfolioReview
7/28/2019 Presentation by Arun Thukral, MD CIBIL
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CIBIL Solutions
7/28/2019 Presentation by Arun Thukral, MD CIBIL
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Robust set of solutions basis market
requirements
Consumer and Commercial Credit Reports CIBIL Locate Plus CIBIL Watch List
CIBIL Mortgage Check CIBIL Detect
CIBIL Market Insights CIBIL Retro Scores Portfolio Review Reports
CIBIL TransUnion Risk Score CIBIL TransUnion Personal Loan Score Bureau Credit Characteristics CIBIL Custom Solutions
7/28/2019 Presentation by Arun Thukral, MD CIBIL
13/14 2012 ALL RIGHTS RESERVED | CIBIL PRIVATE13
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
CIBIL provides tools to enable smarter, more strategicdecisions at every stage of the credit lifecycle
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?KEYIS
SUES
CIBILTUT
OOLS
Collections / RecoveryPortfolio ManagementAccount Acquisition
Credit-bureau based tools generic scores, characteristics, etc. are indispensible
for effective decision management in consumer credit
7/28/2019 Presentation by Arun Thukral, MD CIBIL
14/14 2012 ALL RIGHTS RESERVED | CIBIL PRIVATE
Thank You