Our Approach

Unleashing opportunities from a different vantage point.

From our vantage point, we have the ability to straddle opportunities in credit, investment banking and fund management. We understand the needs of our investors as well as the needs of our clients. Through a combination of our capital, products and partnerships, we connect millions of borrowers to mainstream debt investors. Our rigorous credit underwriting approach and our in-depth understanding of capital markets allows us to offer efficient debt solutions for client partners and attractive risk-return opportunities for debt investors.

Structured Finance Market & Investor Relations Risk Management Nimbus
Underwriting Process

Going the extra mile in pursuit of quality.

Using our customized credit-underwriting approach and tailored product suite that aids in the deployment of capital, we continue to build a diversified business with multiple offerings.

A deep understanding of economics of businesses and sectors at the grassroot level combined with robust credit and risk underwriting has enabled our Company to diversify across sectors, geographies, borrower segments and products. Our quantitative analysis is based on our data lake of millions of granular loans and pools evaluated and invested in by us over a decade. Our technology system, Nimbus connects with many Originator Partners over Application Programming Interface (API) and processes data and workflows.

A machine learning based solution for your underwriting needs

Underwriting of borrowers can be a subjective, long-drawn, and an unreliable process. Organisations often don't tap into all available data and spend extensive time and resources to assess a borrower. The process can therefore be both high on risk and low on reliability.

Introducing

Nu Score

A proprietary machine learning based solution by Northern Arc for an originator’s credit underwriting needs. Nu Score takes into consideration organisation specific data points & metrics, thereby ensuring a deeper understanding of the customer base.

Nu Score offers a real-time, data-backed risk assessment for underwriting a borrower. It helps optimise the risk and reduce the time spent on loan disbursement. A single metric (the Nu Score) helps quantify the risk related to the borrower by providing a holistic view of the underlying parameters.

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We look for the following:

  • Strong governance and strategy that’s well thought through.
  • Management teams that are experienced, credible and ambitious.
  • Underwriting processes and operations that are appropriate and well-tested.
  • Information systems that are scalable and dependable.
  • Risk and audit practices that are in-depth and ongoing.
  • Financial performance on a risk and return basis that is consistent across periods.

Our guidelines

Our underwriting, backed by years of experience across sectors, institutions, geographies and economic cycles, has enabled us to create a strong set of investment opportunities in the sectors we operate in.

TWO WHEELER
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CORPORATE
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AGRI CBLs
CMCs

COMMERCIAL
VEHICLES

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