The firm has specialized in outsourcing, tax, audit and consulting activities.

In outsourcing, we undertake various activities like, Customer Contact Process or popularly known as Field Investigation (FI), Loan Application Processing, Post disbursement Document Collection, Data Updation of the Existing Customer base amongst other outsourcing activities. Similarly, we also provide services for fraud and risk management, credit profiling, due diligence for high value loan or credit transactions.

We have independent team to extended services for tax, legal & corporate compliance, audit and for financial & risk management consultancy.

About Professional Assignment:

We have two distinct line of professional activities viz., Outsourcing & Consulting. We undertake end to end outsourcing activities predominantly in the Banking & Financial Space, as well as mobile industry. Our consulting activities comprise mainly of audit, tax & transaction advisory services like, due diligence, financial & risk advisory services. Hence, our professional activities are broadly divided into three major verticals.

1.    Verification Projects.

2.    Fraud Control, Credit Profiling & allied Projects.

3.    Tax, Audit & Transaction Advisory Projects.

A          Verification Projects.

We provide verification and other allied services to various companies operating into following product lines/ Loan segments. 

            1                  Auto Loans

2                  Two Wheeler Loans

3                  Consumer Durable Loans

4                  Personal Loans (STPL, PL, SME)

5                  Home Loans & Mortgage Loans

6                  Credit Cards

7                  Cellular – SIM Card Applications.

8                  Commercial Vehicles /Construction Equipment Loans

9                  Farm Equipments Loans

10              Agriculture Loans

11              Bank Accounts

Verification Process:

Along with verification, document verification like Form-16, Pass Book Verification, ITR Verification, Personal Loan Interview (Fund Flow Report) for mortgages, ROC Search Report etc. are among some of other ancillary services are provided by us for certain clients. Complete list of client is available on our website (kpbpo.com).

B          Personal Discussion/Credit Profiling, Fraud Control Processes, Post Disbursement Documentation & other allied Portfolios.

LIP / PERSONAL INTERVIEWS (Credit Profiling):

We undertake LIP Report preparation and personal interview of Mortgage/Home Loan / SME Loan applicants for following clients. We prepare a customer profile report inter alia including brief back ground on business processes, business cycle, estimation of the turnover & profitability, ratio analysis and net worth estimation of a prospective clients.

Fraud Control or Risk Containment (FCU/RCU) ACTIVITIES: 

We run Risk Containment Unit for following clients. We try and ascertain the genuineness of all documents provided by applicants, whereas through our sources, we undertake specific check on the history, stability, intention and ability of applicants. We provide services across all regions of Gujarat, whereas any government or personal documents from varied sources are checked by us.

Due – Diligence:

Since 1996, we have undertaken numerous due diligence assignments for securitization of Auto / Two Wheeler and Personal Loans portfolio. 

Recently, we have created a special group to undertake due diligence for various high value loan transactions, high value corporate delinquent accounts and corporate loans extended by certain banks. With our knowledge of credit profiling, our exposure to tax & legal compliance, coupled with our information base of various loan segment, we are able to provide strategic information to our clients, helping him to take a objective decision while extending/ reviewing loans or credit exposure or taking appropriate decision on legal course of action on delinquent customers. 

Our due diligence encompass not only the borrowers but associate/group companies/ family members/relatives or benami account holders, thereby providing explicit information on the state of affairs of clients. We undertake due diligence of clients financials, documents, tax records, corporate records filed with ROC as well as database search of our client information base to ascertain the present financial position of client on either stand alone or group basis.

CPA  ACTIVITIES – FILE PROCESSING :

 Past experience of managing application processing center. We do provide CPA staff with Infrastructure across all    locations of Gujarat.

Outsource Process Management:

Now a days, various corporate outsource their various core as well as non core function to avail the benefit of our scale, while managing their cost. We undertake special process management for various companies, like Vendor Payment Process Management, Infrastructure & Process Management etc. We also provide payroll process facilities to various clients. 

Special Projects:

We also undertake special projects. For, Credit Card Division of one of the Bank, we have prepared Training Module & Internal Control Manual for their credit card operation.  We explore our domain knowledge of undertaking various credit processes for Banking & Finance Industry to provide various other back end processes. 

Recently we undertook Sign Board Audit process for one of our client to ascertain visibility, availability and efficiency of advertisement campaign.

 We also undertake Skip Tracing for Auto Loans, Personal Loans,TW Loans & Credit Cards on regular basis.

C.         Audit / Taxation / Corporate consultancy work carried out by us.

For operational convenience, we have segregated out source processing work and traditional taxation/audit practice in two different offices with independent staff.

Tax: 

We are having group of clients both individual & corporate, for which we provide Direct Tax consultancy services viz., filing of the return of income, various statutory compliances, and appearance before tax authorities for assessment as well before commissioners & tribunal for appellate proceedings. In Indirect taxation, we provide consulting for Service-tax Law & Practice. 

Audit: 

We undertake Tax Audit, Statutory audits for our regular clients, as well as Statutory Bank Audits, Quarterly Review Audit etc. Whereas on special assignment basis, we have done various stock and book debt audits for Banks.   

Management & System Audit: 

For our regular clients, we do undertake proprietary audits to analyse, suggest, and implement new system and processes relevant to administrative as well as financial matters. 

Transaction Advisory/ Risk Management & Business Consultancy: 

We advise clients on corporate restructuring, financial-legal consultancy, Financial Transaction advisory in IPO-Buy Out, Private Equity Placement and overall business consultancy.