Survin has vide experience in conducting the field investigation for various products and clients including bank, finance companies and mobile operator etc. Since 1988 Survin has verified credentials of more than 30,00,000 prospective client’s customers. The rich experience includes verification for different category of prospective borrowers like,

The various kind of verifications conducted include residence, business, guarantor, references, sighting verifications etc.

Survin in past has been managing approx. 20000 verifications every month.

Survin’s believe in service with quality in terms of performance, therefore, it has hired experienced graduates, retd. bank officers, MBAs as per requirement of the product and loan amount.

Survin has rich experience in investigating and verifying the customer credentials and various kinds of documents submitted by its clients’ customers. The various checks conducted in fraud investigation involve:

Presently it is verifying more than 1000 documents every month. For conducting this job it has hired trained graduates and retd. police personnel.

Survin has employed team of 30 members, which has experience in verifying the various kinds of documents submitted by the customers by visiting them at their correspondence addresses. The documents are verified against the originals maintained by the customers.

The KYC documents pick up and verification process in compliance with RBI/regulatory requirements is completed by the team in very turnaround effective manner.

The team also does a verification of the testimonials and proofs submitted with various depts. like income tax, schools, university, election office, passport office etc. as per the requirement. 

Survin’s team has varied experience in underwriting the high net worth bank / financial institutions customers and known for its commitment to quality. Survin is doing this specialized credit underwriting activity for various reputed banks for last six years. The underwriting includes review and assessment of the documents, meeting the customers at their business place and assessing the repayment capacity on behalf of client. This activity is carried out by professional team of Chartered Accountant, MBAs, Bank VRS officers. The varied range of customers assessed include:

• Self Employed Businessmen. (SMEs).
• Salaried Customers.
• Self Employed Professionals.( Doctors, Chartered Accountants, Engineers, Architects ).
• Corporate Customers.

Survin has specialized teams for credit worthiness assessment both for high ticket customers and small loan borrowers and has capacity to build stand alone team for the client as per requirement.

The delinquency level in the accounts assessed by Survin’s team has always been below the benchmark.

Survin team has vast experience in analysis of financial statements i.e. balance sheets, profit and loss accounts, bank statements and study the ratios & variances for the purposes of assessing financial credit worthiness of the customers based upon the documents submitted.

This is an important tool for credit underwriting analysed both with PD underwriting and as a separate service.

This has wider scope of services in it. Business review includes financial data analysis, personal discussion with customer, both field and documents verification and a quick audit/review of the books and accounts of the customer. This activity is carried out by professional team of Chartered Accountant and MBAs. Generally business review services are carried out for facilities like overdraft, limit, term loans and big ticket personal loan customers.

The varied range of customers assessed include,

• Small and Medium Enterprises
• Large business house.
• High ticket individuals
  

Survin has been in strategic recoveries of every kind of portfolios including recent write off to vintage and deep vintage. Survin believes in case specific strategy in recovery. It has expertise in

The recovery portfolios handled by Survin include Auto, Personal Loans, Cards, Consumer durables and two wheelers

Employed more than 100 employees for assisting in managing the centralized records unit of Citifinacial Consumer Finance India Ltd. The team employed have been processing till very recently every month:

• More than 1000000 files
• More than 750000 cheques
• 30000 documents retrievals
• 1000000 PDCs/ ECS processing

Survin has teams consisting of more than 35 employees who are managing back end processing including, sourcing, pre-scrutiny of files and collection of documents from customers.

These are the client specific dedicated teams which do not have any interaction with regular processing and other teams keeping the customer data integrity in mind.

Have been doing review of the collection and PDCs presentment processes in North India on behalf of Citibank N.A.

The monthly review at vendors of Citibank N.A. covered 30 vendors in five states at 20 locations in Northern India.