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Decoding Credit – Vol I: Credit and Beyond

Decoding Credit – Vol I: Credit and Beyond

When we started Athena Advisors, one thing became very clear to us very quickly: credit touches almost every aspect of one’s financial life, yet very few people truly understand it....

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Decoding Credit – Vol II: India’s Retail Lending Landscape

Decoding Credit – Vol II: India’s Retail Lending Landscape

When we started Athena Advisors, one thing became very clear to us very quickly: credit touches almost every aspect of one’s financial life, yet very few people truly understand it....

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RBI Ombudsman: Really a Last Resort?

RBI Ombudsman: Really a Last Resort?

When borrowers hit a wall with banks or NBFCs, the phrase “Go to the RBI Ombudsman” is often suggested as a magic solution. But is the RBI Ombudsman really the...

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Why Process Optimization is a Competitive Advantage in the Lending Ecosystem?

Why Process Optimization is a Competitive Advantage in the Lending Ecosystem?

The lending industry is undergoing a structural transformation. Banks, NBFCs, HFCs, and fintechs are no longer operating in isolation; they function in a shared ecosystem where collaboration, co-lending, and partnerships...

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Affordable Housing and the Union Budget: Why Affordability Is Still Elusive

Affordable Housing and the Union Budget: Why Affordability Is Still Elusive

As markets look ahead to the Union Budget being presented each February, affordable housing once again finds itself at the centre of public and policy discourse. Expectations typically revolve around...

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