Mortgage and auto lending

Retail and consumer lenders must make consistent credit decisions across large, granular portfolios while responding to shifts in borrower affordability, repayment behavior and collateral values. High transaction volumes and changing credit performance increase the need for effective portfolio segmentation, timely risk identification and scalable credit processes.

Crisil Integral IQ supports mortgage and auto lending, alongside analytics across broader consumer credit portfolios, through credit assessment, portfolio risk analytics, model and scorecard support, loan review and monitoring. Our domain and analytics capabilities help lenders strengthen credit decisions, improve portfolio oversight and apply GenAI and automation to scale credit-risk workflows.

35 of top 50

Commercial banks partnered with globally

70%

Clients gained 70% operational efficiency through offshoring

100%

Quality assured credit reviews

Our solution components

Borrower and transaction-level credit assessment across mortgage and auto lending, including assessment of income (salary and other sources), total indebtedness, credit score & history and repayment capacity & history to support consistent credit decisions across consumer lending portfolios.

Valuations of property and vehicle collateral, loan to value (LTV) ratio analysis, valuation of net worth including other assets such as savings, stocks and other real estate, asset quality analysis, legal and other related risks.

Assessment of property and vehicle collateral, valuations and coverage to identify asset-related risks across secured consumer lending.

Independent review and quality assurance to assess underwriting adherence, credit quality and consistency with lending policies.

Portfolio segmentation and surveillance across borrower, product, vintage and risk characteristics to identify performance trends, concentrations and emerging deterioration.

We combine credit expertise with GenAI, automation and workflow enablement to streamline data and document extraction, credit assessment, reviews and monitoring across high-volume consumer lending workflows.

The problems we solve

Research

Early identification and mitigation of risks across large, granular portfolios

Overview

Analytics-led segmentation and standardized EWI led risk frameworks help lenders maintain consistent oversight across large, granular portfolios without proportionately increasing manual effort.

Balancing faster decisions with credit discipline

Overview

Crisil combines domain expertise, analytics and automation to streamline credit assessment while maintaining appropriate risk controls and underwriting consistency.

Strengthening retail credit controls

Overview

Independent loan review and quality assurance help lenders identify weaknesses in underwriting, risk classification and controls before they become regulatory or portfolio concerns.

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Mortgage and auto lending

Mortgage and auto credit assessment

Borrower affordability and repayment analysis

Collateral and asset assessment

Loan review and quality assurance

Portfolio monitoring and analytics

Lending workflow transformation

Discover why the world's most prestigious global and regional financial institutions chose us as their strategic partner

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Investor Relations

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Discover why the world's most prestigious
global and regional financial institutions
chose us as their strategic partner