DCS  will employ and designate its own staff for the process of verification in each of the cities namely Karachi, Islamabad, Lahore and surrounding smaller cities such as Rawalpindi, Faisalabad and Multan, Application details will be provided to DCS who will carry out the Due process and confirm the finding as agreed format for clients according to the turnaround time specified in the services level agreement


1. Verification Services
1.1. Document Verification
1.2. Physical Verification
1.3. Valuation Services
1.4. Income Estimation and Business Appraisal


DCS is a leading solutions provider for Consumer Loan, Physical Verification, and Background Checks & Employment Verification needs. We deliver solutions that better protect you and directly improve your profits.


Presently, DCS is providing verification services in two areas:


1.2.1. Document Verification
1.2.2. Physical Verification

For DCS clients and related assignments in the above areas, please check Our Experience Profile Document Verification:


DCS has complete background & employment verification solutions of a comprehensive selection of background checks i.e., previous employer verifications, educational degree verifications, address verifications, etc. DCS partners with its clients to create tailor made screening programs that enhance security, reduce liability, and improve productivity and cost savings in the candidate selection and hiring process.


If client’s goal is to hire the most qualified, honest and dependable employees, look to DCS for comprehensive employee background screening needs, whether potential new staff is from across the nation or around the corner. DCS objective is to provide clients with superior service, experience and results and avoid falsified employment applications, negligent hiring liability and turnover with a goal of minimizing the legal and financial risks in hiring decisions. Presently following services are offered:


1. Education Certificate Verification


Credentials including dates attended, year graduated, degree/diploma/ certificate received, special achievements/awards.


2. Professional License/ Certificate Verification


Verifying the date of the license/ certification award, e.g., ACCA, LLB, LLM, CA, CFA , MBBS, etc. and the current status of the license.


3. Pre- Employment Verification


Verifying previous employment claims including period of joining, position/s held, earnings, reasons for quitting, rehire status, performance evaluation/tracking.

4. Personal or Professional Reference Verification


Verifying an applicant's reliability, Criminal past, and character – by interviewing the reference providers.


5. Address Verification


Physically verifying candidate’s current and permanent addresses.


Physical Verification:


DCS offers verification and registration services to the financial institutions, which helps financial institutions to save much time and resources normally required to carry out such activities. Presently following services are offered:


· Applicant’s Verification of Consumer Loans
· Applicant’s Residence & Office Address Verification
· Reference’s Residence & Office Address Verification
· Applicant’s Bank Statement Verification
· Vehicle Valuation Services
· Vehicle Registration Services

Valuation Services:


Valuation Services have been designed to address a broad range of information needs of Banks and Financial institutions exposed to market, credit and operational risks coming on stream with new business and investment opportunities.


DCS offers an innovative range of outsourced valuation solutions based on its robust and transparent infrastructure. The following services help our clients build their loan portfolios based on accurate information and peace of mind that there will be minimal delinquencies.


· Income Estimation & Business Appraisal

· Auto Valuation

At DCS, we follow the highest standards in business valuation and professional assessment as promulgated by the Pakistan Banks Association (PBA) and Leasing Association of Pakistan (LAP). Our leading edge analytics in conjunction with a team of specialists with extensive field experience help in providing dependable information which is accurate, comprehensive and delivered efficiently.


Income Estimation and Business Appraisal:


DCS’s Income Estimation & Business Appraisal model is an effective tool designed to significantly reduce the risk associated with lending products of banks and financial institutions by aiding their approval process and overall risk management. It comprises of services that include:


· Loan origination and workflow management
· Generation of risk rating – customer, facility and combined exposure ratings
· Group analysis functionality
· Pre-defined and user defined reporting system
· Comprehensive audit trail around the system

The benefits of DCS’s Income Estimation & Business Appraisal model can be quantified as reduction of the average turn-around time of a credit, reduction of the total man-hours spent on each new credit and reduction of credit and operational losses by adhering to the high level of standardization and efficiency of the complete lending process alongside best practice risk management.