Make better decisions with Vintage

Having served in the industry for many years, we have gained in-depth knowledge and wide exposure in the areas of Debt Collections and allied activities.

Who we are

We are most Advanced professionals in the markets

Vintage is an independent consultancy specializing on Credit Risk Management for complex environments. We support clients in providing in-depth investigations and strong field support.

Vintage caters to the needs of the credit industry in the area of Credit / Fraud Risk Management and handles other business functions such as audit of business process, training and corporate investigations for Financial Institutions.

About us

Know About Us

Vintage is primarily into Debt Management & Risk Control Verifications for Banks, Non-Banking Financial Institutions and Fintech companies across Chennai, Bengaluru, Hyderabad, Hosur, Erode, Coimbatore & Salem.

The team operates from their office situated at No 570/1, Anna Salai, Opp DMS, Teynampet, Chennai 600 018 with complete coverage to the city. We have full-fledged operating office at Bangalore & representative operations at Hyderabad, Madurai, Erode, Salem, Hosur and Coimbatore.

Since its inception, Vintage has been associated with IndusInd Bank, Yes Bank, Kotak Mahindra ARD - Phoenix, Tata Capital Financial Services Limited, Aditya Birla Finance Limited, Garage Entrepreneurs for Risk Management & associated with a dozen MNCs for employee background andc checks. Our work involves working closely with key personnel of client companies for time closure of issues and utilizing key methods to arrive at the required result with 100% compliance to law of the land.

Vintage was incorporated in 2017 by Nalina Seetharaman in Chennai. Nalina has done her Master's in Financial Management after completing her bachelors in Computer Applications from Sastra University. On the front end, the firm’s day-to-day operations are managed by Venkata Subramanian R, who has over 22 years of professional experience in Risk Management Functions across banks, NBFC & Fintech.

Mr. Venkata Subramanian is a Computer Science Post graduate from Bharathidasan University. He has wide, diverse & rich experience in Banking & Financial Services with various Risk Management Units. He has started his career with Allsec Persocom in 2000, in Chennai & moved out to work with MNC banks Standard Chartered Bank, HSBC, Deutsche Bank, and IndusInd Bank before floating his own venture in 2017. His area of experience revolves around Fraud Control, Debt Management & Credit Underwriting units across zonal and national levels of operation. At the product level, he is rich expertise in Credit Card, Personal loans, Business loans, Home loans & Mortgages with representation on the bank's behalf in multiple common forums. He has successfully managed Risk at Pre & Post Acquisition stages like Application Screening, Account monitoring, Centralised onboarding checks, Syndicate fraud investigations, law enforcement liasioning for market hits, and remained as a single point of contact in banks for Risk related to Credit cards & Loans. On several occasions, he has been individually responsible for process control and correction in bank's process & industrial practices to curtail frauds or bad practices. Has set exemplary examples of fraud recovery at regional levels from members of syndicate and kingpins in person or in coordination with regional teams and law enforcement.

Our Esteemed Clients

We are expertise in

We provide a Professional Business Solutions

About the service

Debt  Management

In a typical program, debt management companies work for creditors to collect monthly payment and interest rates on customer debt and waive or reduce any penalties. The parties agree on an affordable payment schedule that allows 3-to-5 years to pay off your debt.

A debt management plan is part of the package of debt consolidation plans that are designed to help people regain control of their finances while reducing unsecured debts. Unsecured debt is one that is not backed by collateral and includes primarily credit cards and personal loans.

Lines of activity:

Written Accounts SKIP Recovery
SKIP Tracing across financial products
NPA Resolution
Field Support – Chennai, Bangalore & Hyderabad.
Tele-calling Support – Early delinquencies

About the service

Due Diligence

Customer due diligence is one of the most important services we offer to our clients in banks, corporates and financial institutions. We offer due diligence at pre and post acquisition stages of business.

Pre-acquisition Activity:

Vendor Verifications
Document verifications
Verified income and Other bank credit card checks ( Vi & OBC )
Application investigations

Post-acquisition Activity:

Fraud Investigations with specialization syndicate fraud investigations
Fraud recovery
Asset Tracking
Managing internal investigations
Debt Management activity
Employee background checks & Vendor On-boarding checks

About the service

Investigation, Litigation & Forensics

As a part of Corporate Investigations, we focus on prevention and mitigation of risk for clients across India. Our investigations cover a range of issues and allegations including but not limited to:

Corruption
Fraud Investigation
Accounting and financial reporting improprieties
Conflicts of interest
Misconduct and malfeasance
Industry regulation breaches (e.g., healthcare, financial, etc.)
Product diversion and counterfeiting
Workplace harassment

Why choose us

Our Core Values provide Risk Solutions to your Business

Our focus is on your journey and your destination, making sure your team and business are treated as if they were our own.

Our teams are trained on SKIP Tracing, Debt Counselling, Negotiation Skills, Credit Bureau and Customer Relationship Management. Team members strongly believe in customer relationship & have zero tolerance to any non-adherence even at grassroot levels. Average experience of our field staff ranges from 7 to 20 years and tele callers range from 12 to 84 months.

How we work

Move your Business Growth to the Next Level with reduced Risk

We strive to lead and sustain excellence. Most importantly, this means an unwavering commitment to professional development and personal growth for our people.

Planning

Work on new clients begins after reliable senior resources have been allocated at multiple levels to clearly understand the key result areas and cost factors. Red flags will be tagged much in advance & process change worked around the same.

Briefing

All clients have a timely briefing on the stages of work & current standing like team count, customer feedback, individual performances, upcoming month indicators, etc.

Evaluation

Evaluation of clients scope of work, revenue generation, staff productivity parameters with client, stakeholder interest is an ongoing process & clear line of communication.

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