Strategic Business Opportunities and Technological Tailwinds
Credit monitoring framework
Credit Risk Monitoring
Acquisition
RBL BANK
80
Years In Your Service
ESTABLISHED IN 1943
Monitoring to be focused on through the door acquisition quality (Policy parameters of the customer are monitored to align
operating guidelines for that product).
Disbursement Trends across customer segments, detection of early vintages delinquency/mortality and to fine-tune operating
guidelines/BRES accordingly.
Partnerships
For all Tie-ups, Bought portfolio, Digital Partners, Business correspondents specific monitoring mechanisms have been
put in place. Co-lending relationships and Direct Assignment with different partners are separately tracked.
Performance of assignment portfolio across different lender categories, bureau performance, and actions taken for
future deals, BC wise MFI performance report.
Collection Metrics
Resolution Rates, Flow Rates & Early Warning signals are being generated to monitor the slippages
Segment wise monitoring of delinquency parameters
Collection Efficiency, OTS trend, Recovery Trends, Slippages
Portfolio Monitoring
Portfolio is monitored at various segment levels to identify any pocket of opportunity/stress. Feedback is provided to relevant
teams.
Early Warning signals, Risk Appetite threshold monitoring, Risk Segment Monitoring, Concentration risks
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