Q4 FY23 Performance and Business Highlights
Unique Human Capital, Internal Audit & Risk Controls
CreditAccess
Ⓡ
Grameen
Well-Established Operational Structure
Business Heads
Zonal Managers
•
Sound Understanding of Rural Market
~90% of employees are hired fresh from rural
communities
~50%-60% of employees are from families of
active customers
Multi-Pronged Approach For Risk Management
Internal Audit (IA):
IA frequency - 6 times in a year at branches, 4 times at RO, 4 times at HO
The entire audit process in automated enabling real-time data analytics
The Audit Committee of our Board is updated every quarter on significant internal
audit observations, compliances, risk management practices and control systems
Regional/Divisional
Heads
Highly Efficient Workforce
Area Managers
Branch Managers
Loan Officers
Branches
•
In-house 2-3 weeks pre-hiring training
program
Compulsory rotation of loan officers annually
and branch managers
tri-annually for varied job experience and
work satisfaction
Employee incentives delinked from
disbursement or collections, and linked to
number of customers serviced, quality of
service and process adherence
High employee retention rate
Quality Control (Business Support):
Fort-nightly branch visits
Complements internal audit function by early identification of operational risks
Branch sanitization, fraud investigation, PAR investigation, support new business
expansion
Field Risk Control (FRC):
FRC adds strength to proactive operational risk management
FRC complements the field operations supervision, quality control and internal
audit function
www.creditaccessgrameen.in
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