Business and operational excellence are core ethos to ICRMS client offerings.ICRMS brings in domain knowledge expertise in areas of credit bureaus, credit scoring, risk management, business and operations that have underpinned the development of our value-based digital lending solutions.Our digital lending solutions aim to reform the Consumer Lending Transformation Program (CLTP®) across banking, financial and services sector to harness better financial inclusion, enhance credit growth to M-SMEs and the under-served segment.It further aspires to position its CLTP® Program as a part of digital finance ecosystem as a niche player evolving its core digital offering, whilst maintaining all the regulatory requirements.ICRMS solutions are built on highest standards of veracity, delivered through an empirical partnership approach, enabling our clients to achieve their strategic and operational goals, create sustainable value to meet their unique requirements.ICRMS additionally offer Advisory services and Customised Solutions in the areas of Credit Bureau Suit of Solutions, Scorecards, Business Processes, defining User Acceptance Test Cases Functional, Non-Functional, that improve operational efficiency and reduce non-value-added steps and activities.