Process Advisory Services for Sale of Stressed Assets
Expert advisory process for monetising stressed assets, featuring transaction roadmaps, regulatory compliance, and ARC relationship management strategies.
PROCESS ADVISORY SERVICES FOR SALE OF STRESSED ASSETS
Credit Curators Proposal
Confidential | April 2026
CONTENTS
NAVIGATION
Table of Contents
01
About Credit Curators
3 – 8
02
Process Understanding & Scope of Work
9 – 12
03
Select Credentials
13 – 18
Confidential | Credit Curators | 2026
ABOUT US
About Credit Curators
US$15 BN+
Global Revenue
+7%
Revenue Increase
1,800
Offices Worldwide
166
Countries & Territories
119,611
People Worldwide
Fee Split by Service Line
Percentage Revenue by Region
As of September 2024
Confidential | Credit Curators
OUR PRESENCE
Credit Curators in India
With a comprehensive suite of services, we enable our clients to stay future-ready through astute and sustainable advice. Our solutions are driven by innovation and backed by technology prowess, ensuring relevance and adaptability in today's evolving business landscape.
350+
Partners
11,000+
Staff
14
Cities
19
Offices
Our robust India practice is led by an experienced leadership team with deep business foresight and expertise across industries.
Confidential | Credit Curators | 2026
Capabilities
Our Services
DEAL ADVISORY SERVICES
Business Restructuring · Corporate Finance & Investment Banking · Financial Due Diligence · M&A Tax · Transfer Pricing · Valuations · Strategy & Commercial Due Diligence
BUSINESS ADVISORY SERVICES
Forensics · HR Outsourcing & Payroll · IT Risk Advisory · Management Consulting · Risk Advisory · Sustainability & ESG · Government Advisory
ASSURANCE
Financial Statement Audit · Attestation Services · Accounting Advisory
TAX & REGULATORY SERVICES
Corporate Tax · International Tax · Global Employer Services · Tax Outsourcing · Private Client Services
MANAGED SERVICES
Finance & Accounting · Compliance Management · Technology Products & Solutions
DIGITAL SERVICES
Digital Transformation · Technology Advisory · Data Analytics
Confidential | Credit Curators
OUR EDGE
Why Credit Curators
Stressed Asset Expertise
Former ARC leaders, ex-bankers, and regulatory experts with deep specialized knowledge in distressed asset sales, regulatory nuances, and market dynamics.
Access to Buyers
Live and curated pool of ARCs with demonstrated appetite for similar portfolios — enabling accelerated traction and competitive bid dynamics.
Value Maximisation
Strategic portfolio packaging, targeted positioning, and calibrated auctioning to improve price discovery and recovery rates.
Speed with Governance
Swift and compliant transaction execution within defined target timelines, with no compromise on regulatory integrity.
Confidential & Controlled
Off-market outreach, NDA-driven discussions, and stakeholder-sensitive deal choreography for reputational insulation.
Execution Relief
Frees internal resources and shifts execution burden to seasoned external professionals.
Aligned Incentives
Performance-based, success-fee structures ensuring our goals are fully aligned with yours.
Confidential | Credit Curators | 2026
OUR NETWORK
Strong Relationships Across
Organisations
Our team maintains direct working relationships with decision-makers at all leading ARCs, giving us real-time visibility into buyer appetite, deal criteria, and capital availability.
This enables us to pre-position transactions with the right counterparties and curate interest from ARCs best aligned with the portfolio's asset class, sector, and vintage.
Real-Time Visibility
Direct access to buyer appetite & capital readiness
Curated Counterparties
Matched by asset class, sector & vintage alignment
Pre-Positioned Deals
Relationships activated before deals hit the market
Confidential | Credit Curators | 2026
02
SECTION 02
Process Understanding
& Scope of Work
A structured, compliant, and market-aligned approach to stress asset monetisation.
Credit Curators | Confidential
KEY CONSIDERATIONS
Stressed Asset Sale — Critical Factors
Regulatory Conformity
The transaction must align with RBI guidelines including Board Approved Asset Sale Policy and MHP requirements.
Reputational Optics
ARC collection tactics & FPC breaches can negatively impact the lender's image — careful counterparty selection is essential.
Data Confidentiality
Access-controlled, secure Virtual Data Room with NDA-governed data sharing protocols.
Buyer Credibility
Thorough evaluation of ARCs' past compliance, bidder track record, and NOF adherence.
Financial Reporting & Audit Trail
Full financial reporting compliance and arm's-length process conduct ensuring clean audit trail.
Confidential | Credit Curators | 2026
TRANSACTION ROADMAP
Indicative Process
The indicative process for sale of stressed assets is illustrated below.
PHASE 1
Pre-Transaction
PHASE 2
Transaction Execution
PHASE 3
Closure & Post Transfer
Newspaper Intimations & Public Disclosure
EOI Invitation & NDA Signing
Data Assimilation & Data Room Readiness
Process Document Drafting & Approval
Key Decision Making (EMD/Non-EMD, Swiss Challenge/Forward Auction)
Due Diligence Period Opening — Initial Data Sharing
Query Resolutions & Follow-on Dataset Sharing
Receipt of Bids — Declaration of Highest Bid
Swiss Challenge / Forward Auction
E-Auction Vendor Connect & Auction Process
Public Intimation for Challenger Bids
Assignment Agreement Finalisation & Signing
Transfer of Stressed Assets to Bid Winner
Confidential | Credit Curators | 2026
ENGAGEMENT SCOPE
Scope of Work & Evaluation Approach
Pre-Transaction
Drafting of Process Documents including EOI, NDAs, Process Timelines, EMD requirements
Collation of Portfolio information and creation of Virtual Data Room
Issuance of Advertisement in newspapers inviting EOI from ARCs
Transaction Execution
Identify and approach potential ARCs with portfolio details
Facilitate query resolution and follow-up data uploads
Facilitate meetings & negotiations between NBFC & ARC
Conduct Swiss Challenge process and invite counter bids
Attend lender meetings and assist in commercial conclusion
Transaction Management
Maintain and manage project tracker
Monitor actionables from transaction meetings
Track all transaction milestones
Liaise with professional advisors to ensure deadlines are met
Scope Exclusions
Commercial, Tax, Financial & Legal Due Diligence
Valuation of the Company or its assets
Compliance implementation or structuring
Representation before income-tax or statutory authorities
Any work not explicitly covered above
Confidential | Credit Curators | 2026
03
SECTION 03
Select Credentials
A curated showcase of our transaction experience across sectors and deal types.
24+
Transactions Advised
₹2,000 Cr+
Deal Value Managed
10+
Sectors Covered
Confidential | Credit Curators | 2026
TRACK RECORD
Select Deal Advisory Credentials
Advisory Engagement
Process Advisory for NBFC for sale of Portfolio amounting to INR 150 Cr of Retail NPAs
Sell-side advisory for lenders, managing sale of a leading textile company in Western India (man-made fibers manufacturer)
Transaction advisors to consortium of Lenders for change in ownership — ~880 km transmission line & 1 substation across Telangana, AP & Maharashtra
Transaction Advisory for change in ownership of a real estate development company — commercial cum residential complex in Madhya Pradesh
Transaction Advisor to Lenders of a wind power generation company (148.90 MW) — restructuring plan with change in management
Transaction Advisor to Lenders of a wind power generation company (155.40 MW) — restructuring plan with change in management
Sell-side mandate for CoC of an EPC Company — Transmission & Telecom sector, debt size ~INR 2,000 Crore
Transaction advisors for sale of debt exposure — integrated entertainment theme park in Western India
Confidential | Credit Curators | 2026
TRACK RECORD
Select Infrastructure & Power Credentials
Sell-Side advisors for a run-of-the-river hydroelectric project in North India
Sell-Side advisory for iron and steel company — manufacturing foundry grade, SG Grade and basic grade pig iron and granulated slag
Process Advisor to Resolution Professional of a company under CIRP in the Entertainment sector
Sell-Side advisor to Committee of Creditors of an EPC company — Power sector, Roads and bridges
Process Advisor to Resolution Professional of a company under CIRP in Food Processing sector
Techno Economic Viability Study including Demand Assessment for 64,000 MT LPG import terminal — western coast of India
Techno Economic Viability Study for container terminal on western coast of India (RORO and Bulk Terminal)
Assisted a leading Indian conglomerate in formulating Business Plan for proposed mining and port projects in Oman
Confidential | Credit Curators | 2026
TRACK RECORD
Select Ports & Logistics Credentials
Cashflow Monitoring for an all-weather deep-water port in southern India — 600 acres
Techno Economic Viability Study & Market Research for an EPC Company in Western India
Commercial Due Diligence for an integrated asset management firm — logistics & industrial assets, 4.6 million sq ft of shared warehouses, industrial & office spaces
Feasibility study of proposed Green Ship Recycling yard on Western coast of India
Lenders Independent Engineer (LIE) for a 2.68 Million TEU container terminal on western coast of India
Advisor to Committee of Creditors of a Private Sea Port project — evaluation of resolution plans with admitted claims of ~INR 3,100 Crore
Sell-side mandate for CoC of an EPC Company — Transmission & Telecom sector, debt size ~INR 2,000 Crore
Confidential | Credit Curators | 2026
SELECT EXPERIENCE
Experience in Housing Finance & NBFCs
Housing Finance Companies
NBFCs & Fintechs with NBFC License
Confidential | Credit Curators | 2026
Reliance Home Finance
Vastu Housing Finance Corporation Limited
Motilal Oswal Home Finance Limited
Save Housing Finance Limited
Ummeed Housing Finance Private Limited
Sewa Grih Rin Limited
India Shelter Finance
Aptus Value Housing Finance
Art Housing Finance
Manibhavnam Home Finance India Pvt Ltd
Trucap Finance Limited
Revfin
Drip Capital
Prayaan Capital
Axio
Myshubhlife
Slice
Aye Finance
Save Group of Companies
Financepeer
Aavishkaar Group
Exclusive Leasing & Finance
Aryadhan Financial Solutions
Nineroot Technologies (Chqbook)
Navadhan Capital
Smartcoin
Capital Trust Limited
Koinworks
Digikredit Finance
Prodigee Finance
Thank You
We look forward to partnering with you on this transaction.
Get In Touch
Credit Curators
www.creditcurators.in
Our Expertise
Stressed Asset Advisory
Process | Advisory | Execution
Confidentiality
This document is confidential
For intended recipients only
- stressed-assets
- asset-reconstruction
- npa-management
- financial-advisory
- debt-restructuring
- transaction-advisory
- banking-india