Everything looks fine – until it doesn’t.
Mistakes don’t announce themselves. They creep in quietly, hidden behind spreadsheets and routine approvals. In the world of lending, the cost of such errors can be irreparable.
But what if the system could throw an early warning signal before it’s too late?
A portfolio may appear stable, repayments look consistent, processes seem tight. But more often than not, it’s only after a mishap – a missed EMI, a sudden default, or a reputational risk – that the cracks begin to show.
One of our lender partners shared a telling example.
They noticed a sudden spike in Non-Performing Assets (NPAs) in a particular month. Upon deeper inspection, they discovered a critical oversight: the valuation record had included the land parcel along with the standalone building, despite the loan being secured only against the building. This inflated value had unknowingly led to repeated top-up disbursements over time. Even worse, when they attempted recovery, they couldn’t even realise the quoted value.
In their words, “We were confident in our checks. But after this, we began to wonder – how many more such cases could be hidden? And how would we even identify them?”
That’s when we introduced them to Valocity’s Surrounding Market Analysis (SMA) tool.
This first-of-its-kind solution doesn’t just display market numbers, it gives lenders direction. The tool proactively highlights valuation outliers the moment data is updated in the system, flagging loan accounts where the lending value deviates sharply from prevailing market norms.
With just a click of a button on our SMA dashboard, the lender could pinpoint the outliers they were worried about without combing through thousands of files. They now knew where to look first, and how to stop the leak before it grew larger.
To further strengthen this risk detection, we built our Early Warning Signal (EWS) system, an intelligence layer that alerts lenders in real time when exposure in specific micro-markets diverges from market rate movements. It enables course correction before repayment challenges arise. Innovation isn’t just about creating smarter tools, it’s about empowering better decisions, one step ahead.
Authored by:
Sangita Aich
Senior Business Development Manager, Valocity India
[email protected]
+91 75060 02698
About Valocity
Valocity is a global leader in property data, AI and analytics, providing innovative solutions to streamline decision-making in the real estate, banking, and property valuation sector. Trusted by major lenders worldwide, Valocity’s platform harnesses the power of data to deliver actionable insights and drive efficiency for its customers.
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