Investor Presentaiton
4. Robust Underwriting & Full-fledged in-house Internal Audit
SATIN
GO
Robust Underwriting
Real-time Credit Bureau checks
to track loan history of the prospective clients, also created
own Credit Bureau scorecard for individual clients for better
screening
Rotating Responsibility
Shuffling CSOs every 9 months and transferring every 18
months to reduce human biases. Risk Officers visit clients
regularly
Centralized Share Services
KYC verification, IVR, TVR, ensuring uniform processes
Full-fledged in-house Internal Audit
111
Zonal Auditors &
Regional Auditors
100% Digital
on Audit Reports and Findings
Feedback based
Compliance Audit
847 Audits
completed in Q1FY22
Geo-tagging
of 100% branches and centers and 92% clients' houses
***
D=
Account Verification & Cashless Disbursement
via penny drop verification along with strict KYC compliance,
also cashless disbursement eliminates the cash handling risk
Quarterly Audit
Regional Office, Branch & Social
Performance Management
15 man-days
field audit per auditor per month
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