Strategic Business Opportunities and Technological Tailwinds
Process & Business Controls - Among The Best In Industry
KNOW YOUR CUSTOMER
•
•
eKYC - Biometric customer authentication - No Ghost
Customers
Secondary KYC - Strengthen Credit underwriting
OTP verified mobile number - Better customer connect
DISBURSEMENT
Hv
BUSINESS RULE ENGINE
HOUSE VERIFICATION
CUSTOMER DEDUPE
Q
•
Real Time Credit Underwriting
•
Business Rule Engine (BRE): Customized credit
parameters basis state, branch & products
•
•
Inhouse developed Score card assessment to further
strengthen credit underwriting
Digital House Verification process capturing geo
coordinates & house image.
DOCUMENT DIGITIZATION
E-RECEIPTING
•
•
Customer De-dupe ensures control of disbursement to
unique clients Only
Extremely Critical in MFI segment from risk perspective
RISK MANAGEMENT
•
100% loan disbursement in Bank Account
•
•
Penny Drop validation & Name Match for 100% Bank
accounts
RBL BANK
80
Years In Your Service
ESTARUSHED IN 1943
Digitally acknowledged Disbursement Documents - No
paperwork, better track & retrieval
Immediate & real time e-receipting of EMI collections
Transparency in transaction
Control on cash collection related fraud risk
•
Robust framework on risk management
Well defined model to track state, district & branch level risk
parameters
•
Pre-emptive risk mitigation framework
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