Investor Presentaiton
Process Excellence: Collections & Monitoring
INDOSTAR
Pre Bounce/Delinquency
• Use of Bounce prediction tool which provides with the pool of
customers with high probability where focused efforts are put in
to collect advance EMIS to avoid bounce
• Sales team is responsible for collections with less than 500 loan
count and bounce ratio of less than 10%
•
Pre due calling on entire portfolio through External Bot Vendor
Collection Process
Post Bounce/Delinquency
• Cases are allocated to branch sales RM/collections officers
Repeated follow-ups and hand-holding with the customers on
case to case basis
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• Special focus on contracts in 31-60 dpd bucket to stop flow
forward
• Enforcement of SARFAESI with the help of an external agency in
deep bucket cases
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Continuous monitoring from corporate office with the help of robust dashboard system developed with the help of Tableau.
These dashboards provide real-time details of bounces, collections status, dpd details etc
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In house collections team
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Collections legal person is in place
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Collections Responsibility on sales employees ensure right customer sourcing
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Strict adherence to code of conduct prescribed by regulator in collections
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