Unique Credit Methodology

Unique Credit Methodology

Very early in the process of credit disbursement, Vistaar recognized the need for a unique methodology for their different customer segments. The company worked on serving customers using sustainable differentiation created through linkages.

unique
Vistaar studies the customer’s enterprise in depth and draws out the assessment peculiarities of that trade. The income, ability, intention, business sustainability and credit behaviour are verified through non-traditional income documents and reference checks as well as from traditional income documents and various kinds of credit bureau checks. The data base of references is maintained trade wise and is updated regularly. The trades are continuously monitored and studied and the changes are incorporated in the credit assessment accordingly. The credit assessment gets additional strength from the collateral which is taken for all the facilities for moral suasion.

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