Reviving a Lending NBFC in 90 DaysBFSI
Despite a strong origination engine, its disbursal quality had weakened. Collections were slipping, branch-level accountability was low, and audit flags were piling up. The board had flagged a possible credit rating downgrade and was seeking a turnaround within 90–120 days.
Service Focus: Turnaround Consulting – Revive
Industry: NBFC (Non-Banking Financial Company)
challenge
- NPA levels had breached internal thresholds (>9%)
- Cash flow mismatches were emerging due to poor recovery discipline
- No central dashboard to monitor zone/branch-level performance
- Budgetary control was absent; OpEx was spiraling without scrutiny
- Strategic focus was diluted across too many segments and geographies
our approach
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Capital Crest Consulting was engaged to run a focused 90-day turnaround blueprint under our Revive model. We structured the engagement in three parallel tracks:
1. Cash Flow Stabilization Track – 13-week rolling cash forecast and collections acceleration
2. NPA Recovery & Risk Track – Zone-level NPA segmentation and early warning system
3. Governance & Reporting Track – Budget visibility, control dashboards, and leadership rhythmWe worked with the CFO, COO, and Collections Head to reset key control parameters and build an execution culture around branch performance.
key intervention
- Implemented a 13-week cash flow model with weekly visibility for leadership
- Rebuilt segment-wise borrower risk scorecards and restructured delinquent accounts
- Introduced zone-wise collection dashboards with color-coded flags
- Rolled out a branch-wise P&L tracking sheet linked to disbursal quality and recovery
- Created a Central Performance Command Sheet reviewed every Monday by leadership
- Set up a short-term NPA recovery task force with daily closure tracking
the solution
- A measurable reduction in NPA levels over 90 days through structured recovery focus
- Cash flow visibility and forecasting enabled better working capital control
- Streamlined zone-wise monitoring created healthy branch competition and accountability
- Non-strategic expenditure could be frozen or redirected with dashboard-driven review
- Board confidence could be restored with clear metrics and early warning systems
strategic insight
A turnaround isn’t about firefighting—it’s about restoring control through visibility, accountability, and execution cadence. For financial institutions, the right dashboards and discipline can revive confidence before cash.