Strategy 2.0: Driving Innovation and Growth

⬥ High-Yield Growth Segments

Our renewed journey is about developing and expanding into high-growth areas through a Digital-First approach with key lending partners, while enforcing strict standards on service delivery. High impact segments like Electrical vehicle finance, closed-loop SME Loans, Cattle and Agri-input Loans and cashflow based lending for Supply chain partners (vendors and dealers).

⬥ Granular Customer Base

With our stated objective to create meaningful grassroot level impact, ISFL’s offerings include relatively smaller-ticket loans to a broad customer base, thus minimizing risk concentration and fostering long-term relationships

⬥ Asset Quality

At the core, lies our risk management policies ensuring robust client engagement throughout the loan lifecycle, and creating Early Warning triggers to monitor asset quality. This also requires regular and rigorous portfolio review for active policy adjustments.

⬥ Digitalization

A Digital-First approach enriches our customer’s onboarding and loan management experience and helps with enhanced risk controls through automated controls and processes to minimize risks while continuously evolving our product offerings based on data-driven insights.

⬥ Partnerships & Alliances

Reaching out to a diversified client base requires a strong distribution set-up. At ISFL, we have solved for this crucial requirement by partnering with key technology-driven service partners, thus harping on adopting best-in-category practices, and utilizing scale and systems to achieve all-round growth.