STUDY OF CREDIT RISK AND RISK MANAGEMENT OF

OVERSEAS EDUCATION LOAN

SUBMITTED BY-
GOSIYA MARAJ
17BSP0946
2017-2019
SUBMITTED TO
FACULTY GUIDE COMPANY GUIDE

PROF. SILPY GUPTA MR. NILANJAN CHATTORAJ

(FACULTY MEMBER,IBS-MUMBAI) (PRODUCT HEAD,INCRED-INDIA)
 ABOUT THE COMPANY

 InCred, a non-banking financial company incorporated in 2016 by  Bhupinder Singh.

 Company offers :-home loans, personal loans, education loans and SME business
loan
 The major investor- Anshu Jain(ex-Co CEO of Deutsche Bank), Other investors-
Ranjan Pai(CEO and MD of Manipal Education), Gaurav Dalmia(Founder and
Chairman, Landmarks Holdings) and IDFC private, Alpha Capital.
 License from RBI-NBFC license as Visu leasing private ltd. for education loan SME
and personal loan, HFC as Housing finance company license only for Housing loan.
TREND IN EDUCATION SECTOR
INCRED EDUCATION LOAN
 WORK DONE

Operations and Data Management Process.

Underwriting Procedure.
Disbursement.
Foreign Exchange Management.
 LEARNING OUTCOMES

Credit Underwriting.
Risk mitigation.
Understanding of CIBIL report.
Disbursement and Foreign Exchange.
NACH accounts and SPDCs.
Different types of accounts.
Different Universities and Programs.
Competitive strategies used by competitors.
Learn time management and handling work load in a better way.
 SWOT ANALYSIS
STRENGTH
1.InCred use technology and data science to make lending
quick and easy.
2.Loan without collateral up to 40 lakhs or more.
3.Quick decision making-Disbursement according to the
need of student
4.Re-financing facilities of existing loan and Lower EMI
5.Income defined repayment structure of co-applicants.
OPPOURNITIES
1. Grow of education industry
2.Government aim to raise GER to 30% by 2020
3.InCred is planning to enter two new categories—loans for
car accessories and educational infrastructure lead to an
increase in growth prospect.
4.People awareness toward education through different
government scheme (e.g. Beti bacaho beti padhao).
WEAKNESS
Being a start up:
1.More work load than number of employees.
2.Less resources available.
3.Chaos arise when files gets misplaced.
THREAT
1.As a start up InCred may face threat from its competitor
which are in business from 20 years.
2.Its competitor are:
HDFC Credila, part of HDFC Group
Avanse, part of Dewan Housing Finance Group (DHFL)
Axis Bank
Auxilo, founded by Neeraj Saxena (ex-Avanse CEO)
3.Changes in government policies (e.g. trump H1B visa
policy) cause threat to education industries.
 LIMITATIONS

A new system was launched i.e. LOS which is difficult to understand and time
taking.
Less Products are available for different courses and countries.
More Employee are needed than the work done.
Sometime MIS not work properly because of huge data.
THANK YOU