Athena Advisors provides end-to-end consultancy services to help financial institutions strengthen their strategies, operations, risk frameworks, and regulatory compliance. Our approach combines deep industry expertise, data-driven insights, and practical execution support to deliver solutions that are both strategic and actionable. Athena works closely with clients to diagnose challenges, design and review robust frameworks, and implement effective practices that drive growth, resilience, compliance, and operational efficiency. Our consultancy offerings are specialized in these areas:
- Retail Finance – Enabling financial institutions to build and scale sustainable retail lending businesses by designing strategies, optimizing processes and aligning technology with business goals.
- Credit Information & Bureau – Helping organizations harness Bureau data, develop scoring models, and build strong credit decisioning systems for better risk management and portfolio quality.
- Risk – Building comprehensive frameworks for Operational, Credit and Compliance Risk, with tailored solutions for diagnostics, risk appetite, fraud prevention, and portfolio resilience.
We provide our services across domestic and international geographies. Our advisory services ranges from Board level to “hands-on” operational level involvement.
Retail Finance
Recent years have seen significant changes in how consumers borrow, lenders extend credit, and regulators monitor this industry. Existing lenders have broadened their reach, newcomers have made significant advancements, and the industry is continually evolving.
Athena Advisors provides specialized Retail Finance Consultancy to help financial institutions develop and strengthen lending operations. With deep industry expertise, we design, develop and re-engineer robust strategies, optimize policies, processes, and align technology with business goals. Our data-driven approach focuses on risk mitigation, operational efficiency, and portfolio resilience. By embedding best practices and discipline, we enable sustainable growth, stronger compliance and superior customer experience in the dynamic retail finance sector.
With fact-based decision-making integrated into daily operations from the boardroom to the frontline, Athena wants to assist clients in becoming influential, process-driven companies ultimately resulting in DOTS – Discipline, Organization, Technology, Standardization.
What we do?
Establishing a Housing Finance Company
Conducting diagnostic and feasibility study to identify gaps and opportunities
Developing and reviewing end-to-end Loan policies and processes
Aligning IT systems with business requirements
Assess and align Retail Finance products with best industry standards
Transforming organizations by aligning resources with strategic objectives
Develop and review Loan Documentation and SOPs across the loan lifecycle
Developing and reviewing end-to-end framework for APF facility
Developing the IT SOPs for end users
Credit Information & Bureau
For about 200 years, Credit Bureaus have been one of the lender’s primary sources of risk reduction measures. Compared to other locations, South Asia, the Middle East, and Africa have more recent Credit Bureau histories. Several important issues, including privacy and confidentiality, legislation, data quality, technology, de-duping logic, and stakeholder acceptance, are brought up by the demand for Credit Bureaus in emerging economies financial infrastructure.
Athena Advisors helps financial institutions harness Credit Bureau data and tools to strengthen risk management and lending decisions. We specialize in integrating Bureau insights into credit processes, developing tailored scoring and pricing models, and building early warning systems to track borrower’s behaviour. Our advisory spans regulatory alignment, portfolio monitoring, and advanced data solutions such as matching algorithms to eliminate duplicates. By turning Bureau data into actionable strategies, Athena enables institutions to enhance portfolio quality, improve compliance, and achieve sustainable growth.
What we do?
Supporting financial institutions in leveraging credit data for stronger risk management and lending decisions
Developing customized scoring models, pricing frameworks, and early warning systems
Build EWS Frameworks using Bureau triggers, repayment patterns, and borrower activity
Consulting on the effective use of Bureau tools to strengthen credit decisions
Supporting Bureau setup from legal to operational planning
Assisting in development of matching algorithms to eliminate duplicates and enhance borrower tracking
Risk
Athena Advisors delivers end-to-end Risk Consultancy across Operational, Credit, and Compliance areas. We build robust risk frameworks, credit models, and risk-based pricing strategies while strengthening controls across functions.
Our services cover diagnostics, portfolio assessments, incident management, and tailored mitigation plans.
With risk appetite frameworks and integrated tracking for delinquency, Early Warning Signals (EWS), and fraud, we help institutions drive resilience, compliance and sustainable growth.
Operational Risk
It helps to identify, assess, and mitigate risks arising from internal processes and systems, which ensures business continuity and minimizes operational disruptions.
Credit Risk
It helps evaluate and manage risks associated with lending and credit exposure, ensuring financial stability and reducing the likelihood of defaults & NPAs.
Compliance Risk
It assists organizations in monitoring and adhering to regulatory requirements, minimizing legal and financial penalties and ensuring robust governance practices.
What we do?
Build end-to-end risk frameworks covering Operational, Credit, and Compliance risks to strengthen governance and resilience
Identify and quantify risk exposures across processes, portfolios, and compliance obligations using structured diagnostics and analytics
Strengthen internal controls across sales, credit, legal, technical, operations, recovery, collections and support functions to reduce process gaps and losses
Development of customized risk models tailored to the client’s risk appetite and business strategy
Track and mitigate risks through tools and integrated monitoring
Data-driven decision support through advanced risk models and real-time dashboards, enabling faster, more informed strategic and lending decisions