3 & 4, Brilliant Chambers, Opposite Jog High School, Mayur colony, Kothrud, Pune – 411029
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Our Services

Excellence in the services is the outcome of the continuous background work that we do with our team to give an extraordinary customer experience. Therefore, the customers from 2005 still trust us.
Risk Management / Fraud Control
INTELLIGENT SAMPLING
Eyeballing of the files( retail loan applications) to check the point of compromise by using stratified sampling techniques at the pre-sanctioned stage.
POST- DISBURSEMENT ASSET VERIFICATION
A field visit provides scrutiny for the following points:
  • ● Asset location and condition
  • ● Asset legal status
  • ● Any other important point relevant to the client
NON-STARTER PROFILE CHECK
Astute uses the following process to conduct the non-starter profile check:
    • ● FOS visit to Home, office
    • ● Interview with Customers, Family Members and Office staff
    • ● A report in the client-provided format
    • ● MIS
DOCUMENT VERIFICATION
Risk alert documents triggered through sampling activity are further sent for field investigation to check the authenticity of the triggered documents.
MERCHANT VERIFICATION
Merchant verification by Astute encompasses all key aspects, including:
  • ● Physical address verification
  • ● Checking temporary/permanent nature of business
  • ● Market information on merchant
VENDOR DUE DILIGENCE
Astute performs the DSA/ Vendor due diligence check with client-provided requirements. The process includes the verification of :
    • ● Permanent and Current address
    • ● All related KYC and income document verification
    • ● Performance History with client
Credit Support Services
FIELD VERIFICATIONS

The purpose of Field Verification is to provide an unbiased assessment of the applicant’s information, such as

  • ● Residence address verification
  • ● Office address verification
  • ● Tele Verification
  • ● Mandatory income/KYC document verification as per the credit policy compliance
Personal Discussion
PD activity by Astute covers the following checks:
  • ● Customer Demographics-
  • ● Sources of Income
  • ● Business Process
  • ● Assets and Liability
  • ● Additional Businesses
  • ● Earning Family members
  • ● End Use of Loan

A scheduled visit with a prior appointment is carried out in accordance with the instructions. The evidence related to the observation and discussion is mentioned in the report’s notes, together with images of the relevant documents, such as statutory compliance with business entity requirements and income-related evidence.
Pre-Employment Checks
ADDRESS VERIFICATION
The field staff visit the current residence and permanent residence address of the prospective off-role/ vendors employees.
PREVIOUS EMPLOYMENT CHECKS
Our Contact Center would call the previous employment and run a background check.
Contact Centre

All India centralised debt collection centre. To know about the astute contact centre in detail click here.

Document Fulfilment Activity
ORIGINAL SEEN & VERIFIED
As per requirement of the client , a digital journey of this activity is carried out. Document masked images captured through Astute’s mobile application would be part of the PDF report shared with the client.
PHYSICAL NACH
In this process Astute FOS would visit the customer on the day of appointment to complete the physical NACH journey.
NACH PICK-UP
This activity is divided into Physical NACH pick-up / E-NACH pick-up. Appointments can either be fixed by the client or through Astute’s call centre.
E-NACH
In this process a E-NACH link would be shared via SMS to the customer. Post this the customer would be assisted through Astute Call-Centre to complete this E-NACH journey.
Audits
Astute undertakes audits for financial institutes in the following categories:
 
  • ● HIND SIGHTING / COMPLIANCE AUDIT
  • ● DUE DILIGENCE AUDIT FOR PORTFOLIO BUYOUT
  • ● INVENTORY AUDIT
  • ● STOCKYARD AUDIT
Insurance Verification

We conduct the verification of Life Insured/ Policy Proposer at the Pre Issuance stage as well as the Post Issuance stage of Insurance Policy depending on the requirement of clients. Astute Checks the following important aspects:
 

  • ● Occupation
  • ● Health status
  • ● Habits
  • ● Living conditions of LA/Applicant
  • ● Policy Awareness
  • ● Date of Birth
  • ● Education
  • ● Income
  • ● Medical check-up – Done / Not done
Call Us

+91 9325708734

Email Us

customercare@astute.co.in