1. 1. Business Process Outsourcing
   1. 1.1. PEOPLE™ Payroll Management
   2. 1.2. Verification Services
      1. 1.2.1. Document Verification
      2. 1.2.2. Physical Verification
   3. 1.3. Valuation Services
   4. 1.4. Income Estimation and Business Appraisal
   5. 1.5. Local/SME Credit Report
   6. 1.5. People Perfect Pay

PEOPLE™’s Income Estimation & Business Appraisal model is an effective tool designed to significantly reduce the risk associated with lending products of banks and financial institutions by aiding their approval process and overall risk management. It comprises of services that include:

• Loan origination and workflow management
• Generation of risk rating – customer, facility and combined exposure ratings
• Group analysis functionality
• Pre-defined and user defined reporting system
• Comprehensive audit trail around the system

The benefits of PEOPLE™’s Income Estimation & Business Appraisal model can be quantified as reduction of the average turn-around time of a credit, reduction of the total man-hours spent on each new credit and reduction of credit and operational losses by adhering to the high level of standardization and efficiency of the complete lending process alongside best practice risk management.