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Case Study

Our experience and in-depth knowledge from having worked with some of the world’s leading organizations allows us to not only suggest solutions for tough problems but also to pre-empt some of them.

Here are some case studies that might be useful to you.

Delinquency analysis

Industry: BFSI

Problem Statement

Leading NBFC in India faced a problem of delinquency in its Home Loan portfolio that hampered growth. Client wanted help with defining policies that would enable growth in portfolio with control on delinquency.

Our Approach

  • Isolated significant variables.

  • Quantified impact on delinquency using Pi’s delinquency analysis framework.

The How

  • Qualified delinquency.

  • Built a relationship framework between available dimensions & delinquency.

  • Created an analysis report.

Insights to action

  • Revisited disposable income computation and risk profiling.

  • Significant delinquent customer base showed initial signs of delinquency within 12months.


  • 15 sources of application & 28% of customer branches identified for acquisition.

  • ML models implemented at source to reduce delinquency.