Strong Profitability and Financial Inclusion
2
With alternate data, newer algorithms and multi dimensional models we have been able to augment our asset
disbursements with very short TAT
NTC Underwriting
Using alternate data and ML algorithms we have identified profitable segments for unsecured
underwriting
B
1.
•
Started underwriting ntc
personal loans
PL origination
proportion to grow
from 1-2% to 10%
2.
Start pre-approving credit
cards to NTC
3.
Evaluating alternate data
for vehicle financing
MSME Underwriting Models 0-5 Cr
Internal and external
ML Algorithm
Alternate Credit Score
Bank channels
alternate data
2.
2. Amber
Banking, Industry, GST,
Financials Data
Separate models to
score application on key
dimensions
1. Green Approved with very short TAT
Proceed with caution
(Underwriter to review and ask for
documents)
3. Red Reject
39
1.
Credit sanction time
reduced from 25 days
to 1 day
Approval rate of 90-95%
in Green/Amber
channels
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