Investor Presentaiton
3b
Digital Transformation Yielding Results
PFL Standalone
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End to End Digitalized Lending - Lower TATS, Minimal Paperwork, Reduced human intervention
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End to end digital journey capability for customers across all products via Digital KYC, Digital Onboarding (E-sign, E-agreement & E-NACH),
Automated BRE for quick decisioning & Digital collections via multiple payment modes | Rise in penetration for all metrics
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Straight Through Digital Small Ticket Personal Loan started - Single interface for customer
Focus on customer/partner advocacy - Robotic interfaces, Straight through processing, Multiple self-service channels
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Seamless & integrated Omni-channel customer engagement (call center, branch office, mobile app, and website) with focus on 'First Time
Right' service and maximizing NPS on all transactions
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100% digital onboarding of channel partners with same day TAT + system-based payouts + online platform for loan application
Advanced data analytics usage - Across sales, underwriting, collections & risk monitoring
Policy optimization & rationalization done through portfolio deep dive using advanced analytics | Risk scorecards for pre-approved offers,
Propensity models leading to higher sales conversions | Predictive models for delinquency & risk segmentation to streamline collection effort
Leverage 'data warehouse' with real time update of customer data
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