What is a Bank?
An individual with surplus amount of money approaches a bank for a deposit. Banks accept the money and offers an interest payment on the amount deposited. An individual looking to fund expenses Learn more....
10 Major Trends to follow in Indian Financial System?
The new financial entities are being promoted by professionals with work experience in their domain of expertise. They have long years of experience with limited capital. Learn more....
Would Home Loan ROI Impact the Growth of HFC's?
On the face of it looks like "Not really". The repo rate going-up by 0.5% would mean increasing in home loan rates prevailing in the range of 6.90 % - 7.30 % to 7.40 - 7.80 %. If we consider Learn more....
Checklist - Powerful and Commonly referred tool in HFC's
I was reading this book "The Checklist Manifesto, How to Get Things Right" by Atul Gawande. Dr. Atul, a Surgeon by profession talks about how lives can be saved if the protocol is followed as you Learn more....
Can Sales Function be the Starting Point of your Career?
Every role is important for an organization. I see a huge resistance in getting into sales considering it is a field job. The young folks need to read the book Learn more....
Are you a Fresher joining the Retail Financial Services Sector?
Finally, the time has come for you to take the big leap by taking-up a job in the industry. It may be a dream come true for many. Wish you all the best. I am aware that millennials or the Z generation may not like advice, so let me Learn more....
08 Role of Sales - It is an Important Function of an Organization
Can you survive without revenue flowing-in? Ask any CEO, one reason for their failure; it would be sales. We need to acknowledge the sales professionals for Learn more....
Art of Personal Discussion
PD is a lingo which every housing finance professional knows. What is so great about it? My colleagues tell me do we really reject a case because of PD?
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Are you a Mentor or Coach for the Freshers in the Industry?
This is the time of the year when you have young professionals joining the industry. I am sure each of them would be coming with big dreams, aspirations, and
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Ideas for Sales Promotion
IAs a Facilitator for Sales Role in housing finance sector, I get attracted to the process adopted at the stalls in these exhibitions by BFSI players. Saw a stark difference, while Learn more....
There is No Insurance Policy For Lack of Skill Development
Our education starts and ends with 3R's and for some it is the foundation to develop a skill that is going to be their lifeline. Today, it is getting segregated between soft and hard. Learn more....
Are you Passionate of Skilling People in Mortgage Industry?
It is a rare phenomenon for a Mortgage Professional to be interested in joining as Consultants, Trainer, Facilitators. Very few professionals can dream about
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Chaos in the Recruitment Market in Post Covid-2 Environment
Don't outsell yourself in the job market? It is heartening to see jobs are pouring in every sector. LinkedIn pages are testimony to this fact. At the same time
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Is Indian Mortgage Industry in Safe Hands?
The Indian mortgage industry is observing a shift in the profile of individuals filling the leadership roles. One would recall that the first set of captains who dared to
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Do Banks & HFCs have Passion for Skilling their People?
It is do or die scenario. It is no brainer to note that it is more important to have happy customer than disgruntled customer spreading the fire of anger. Retaining customer is
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What Business are you in?
Today, we are going to have conversation on a topic that is basic to every business yet powerful that will change the way you look at your business. There is Learn more....
Need for Human Resources in HFCs
It is important to ask a pertinent question on the demand supply scenario of housing finance professionals in India. The scenario is not all that Learn more....
Challenges of Housing Finance Sector
Today, probably there are only three major challenges that occupies the mind of a CEO in housing finance sector. They are
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Who is my Customer? Where is he?
It is funny to hear to this question. Let us repeat once more to see whether it rings something to each one of us. The questions are who is
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Which Agencies have Critical Role to play in HFCs ?
DSAs, Connectors, Valuation Consultants, Legal Consultants, FCU and Collection agencies have critical role to play in Housing Finance. Virtuoskill would like to
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Flip to Housing Finance Business
Good news flowing from the stable of SBI with record disbursal of Rs. 1.12 lakh crore till Jan'22 against sourcing of 1.74 lakh crore and sanction of
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Should we Promote Reverse Mortgage in India
Reverse Mortgage as a concept is well known to mortgage professionals in Indian retail financial services market. The product has been in existence in some
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Collections Learnings from Covid-19 for Financial Services Sector
My first stint in FMCG sector started with the Golden Rule from my seniors and I quote “sales is not complete without collection of money’’. Learn more....
Two ends of the bridge in Recruitment of Skilled Manpower
At the one end of the bridge, you have the “FIs asking a question “Can you get me skilled manpower?” and on the other side of the bridge
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