msme

The Tech Enabled Customer Journey - No change in the existing style

Mobile App for RMs

Collects offline basic information about customer including Profile, Income and Expenses Parameters.

Rejects about 20% non-fit customers according to Credit Policy.

1
App Score Check

Filters customers based on Industry, Nature of Business, Region and Demographics etc.

2
Credit Score Check

Filters applications based on bureau score.

Checks bank verification for banking analysis.

Verifies POS transaction with POS Provider.

3
Customer Assessment

Selected applications processes through intelligent engine rules.

It will identify non-credit worthy customers.

Income and Cash flow assessment using pre-defined templates.

4
Customer On-boarding

Scanning of relevant documents using OCR technology.

EKYC with Aadhaar.

PAN verification with NSDL.

5

Fully IT Enabled Automation Will Lead To

Standardization

Higher Accuracy

1
Automated Processes

Low Operational Cost

2
Faster Processing

Happy Borrowers

3
Scalability

Faster Growth

4

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