Due Diligence

There’s a particular kind of loss that stings more than a bad corporate loan — an education loan that defaults. The borrower was a student. The intent, presumably, was genuine. The family believed in the plan. And yet, somewhere between application and repayment, the numbers didn’t hold. For education loan NBFCs operating at scale across…

Nobody sets out to onboard a bad vendor. Every procurement team, every operations head, every HR manager who has ever added a vendor to their approved list believed — at the time — that they were making a reasonable call. The paperwork was filed. The GST number was collected. A bank account was verified. The…

Every year, scholarship committees and education-loan teams across India process thousands of applications. Behind every file is a family hoping for a shot at something better. And buried somewhere in that stack is a handful of applications built on inflated income figures, doctored certificates, or addresses that don’t quite exist. Nobody wants to talk about…

Third-party and vendor due diligence has become significantly more complex than it was a few years ago. Earlier, businesses primarily focused on evaluating operational capabilities, financial stability, legal standing, and commercial viability before onboarding a vendor or entering a partnership. Today, the scope is much broader. Modern vendor ecosystems involve continuous exchange of sensitive information…

Let me be honest with you — most businesses don’t think seriously about supplier risk management until something goes wrong. A shipment gets delayed for three weeks. A vendor quietly goes bankrupt. A factory overseas shuts down due to a regulatory violation. And suddenly, the entire supply chain is scrambling. That’s the reality. Supplier risk…

A private hospital in Mumbai admitted a patient for a cardiac procedure. The identity documents checked out — Aadhaar copy submitted, insurance card presented, admission form signed. The procedure was performed. The insurance claim was filed. Only later, during an audit, did the hospital discover that the patient’s identity had been borrowed. The real cardholder…

If you’ve ever hired a vendor, onboarded a new employee, or extended credit to a business partner in India, you’ve probably asked yourself at some point: “Is this person or company actually reachable at the address and number they gave me?” That one question is exactly what Contact Point Verification — CPV — is designed…

Every business today depends on third parties more than it would like to admit. Vendors process payments, partners handle onboarding, agencies manage data, and external teams plug directly into core systems. On paper, this makes operations faster and more scalable. In reality, it also expands your risk surface in ways that are often invisible. Most…

If you’ve worked with vendors long enough, you know this truth: problems rarely show up on Day 1. They build quietly—missed SLAs, inconsistent quality, unclear compliance—and by the time they surface, the vendor is already deeply embedded in your operations. That’s exactly why a vendor audit checklist isn’t just a procurement document. It’s a control…

You’re onboarding vendors. Partners. Service providers. But here’s the real question—are you onboarding risk along with them? Every third party brings opportunity. Faster scale, wider reach, operational efficiency. But it also brings exposure. And most of that exposure isn’t obvious on day one. That’s where third party risk management starts to matter—not as a checkbox,…