What is this???  Since most of the banks & non-banking finance companies don’t like to hire in-house man power for their loan related portfolio to control their fixed salary liability, the work is outsourced to a third party agency called DSA or DMA. The are 10’s of banks & non-banking financial companies in the field but the main players  are ICICI Bank, HDFC Bank, Axis Bank, Kotak Mahindra Bank, Mahindra financial services, AU finance, Shriram financials & Sundram finance.