Business Strategy and Financial Growth
04 Comprehensive Risk Management Framework - with multiple layers of defense
Underwriting aligned towards granular, secured, shorter duration loans from high rated customers
Robust Credit Framework..
Central Quality & Assurance Team
Approval Grids (L1
> L2 > L3)
Policy: Credit | Pricing | ESG
Regulatory Guidelines
3
Third Line
of Defense
..with continuous monitoring
and right support & interventions
Portfolio Monitoring
2
Second Line of
Defense
Risk Analytics
Credit Due
Diligence
Business Due
First Line of
1
Early Warning Signals
Diligence
Defense
Credit Org. structure mirrors
coverage model enabling
specialized underwriting
Defined pre-screening guidelines
to enhance filteration process &
acquisition quality
13 IndusInd BankView entire presentation