Emend Data Analytics and Risk Consulting LLP (Emend) is focused on providing strategic consulting and software automation solutions in the fields of data analysis, machine learning, artificial intelligence, risk management, credit rating, credit modelling, risk modelling, fund raising and process automation.
Emend takes over from our firm Emend Data Analytics & Risk Consulting 5-year work in the consulting space. With the evolution of AI and ML, Emend’s focus is now on providing solutions for technology adaptation in the risk management space for BFSI clients.
As the technology solutions available to traditional BFSI players are expanding at an exponential pace, it is often very difficult to pick and choose the right solution for implementation.
We first understand the business case of our client and then work with them on selection and implementation of the various solutions required for technology adoption. In many cases there are several different technology partners whose services need to be integrated to provide an optimal outcome for the client. Our role is to act as a bridge between the business requirements and the technology solutions for our partners.
Abhinav has more than 15 years of experience in the BFSI rating and credit analysis space covering Banks, NBFCs, MFIs, HFCs, Mutual Funds, Insurance and Securitization transactions. He had worked primarily with CARE Ratings in various roles and also worked with Standard Chartered Bank. He was the head of NBFI & Structured Finance ratings at CARE and in his last stint he was the CEO of CARE Ratings (Africa).
We have worked on model development in the following segments:
Large Corporate Rating Models:
MSME rating models
Retail rating models:
Whether it is building risk management systems or developing credit policies or building a growth strategy, our bespoke consulting services cover the critical strategic areas of businesses. Some of the areas we have worked in include:
Credit Engine for retail lending
Collection Process Modelling for retail loans
Risk Control Matrix
Risk management framework for Wholesale Lending
Counterparty exposure models
Dealer financing risk management setup
Credit policy for Merchant Cash Advance products
NPA recovery strategy
Credit Rating Advisory and Support
We support in building partnerships between Banks, NBFCs and Channel Partners to collaborate for their growth. We also support raising of debt funding for NBFCs through traditional and structured finance. Areas that we work on including:
Co-lending Partnerships
Branch expansion modeling
BC partnerships on Assets & Liabilities
Digital Marketing & Lead Generation