Improve Debt Collection With Location-driven Field Force Management​

Amplify collection and recovery rate, increase true visits, and improve customer facetime.​

Role-based Challenges

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Incorrect customer addresses
Inefficient day plan with poor route optimization
Fewer daily visits to town centers
Heavy reliance on manual tasks and paperwork
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Lack of real-time visibility on field agents
No system to validate true visits
Manual case allocation leading to inefficiencies
Ineffective mapping of cases to agents
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Lack of intelligent insights on potential markets and opportunities
Poor center to branch mapping
Unbalanced territories
Limited customer facetime
Role-based challenges of MFI

Business Impact

Increase in Case Actioning
1 %
Increase in Customer Visits/Day
1 %
Increase in True Visits
1 %

Location Intelligent Group and Individual Loan Origination

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Geo-tagged Offers
Loan Disbursement
Cross-sell to Group Loan Customer
Geotagging & Address Verification
Credit Bureau Check
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Geo-hierarchy for Group Creation
Custom Loan Workflow
Geo-based Loan Disbursals
Face Recognition of FCOs
Geotagging of Centers/Groups to FCOs

Location Intelligent Solutions for Field Operations of MFIs

Field Collection and Recovery

Proximity-based case allocation to FCOs
Improve collection throughput
Actionable visual intelligence
Location-driven collection strategy

Branch to Center Mapping

Align town centers to bank branches by running multiple simulations
Find the most optimal location for town centers
Optimize all constraints of the branch network
Ensure FCOs don’t make dead runs to centers far from other town centers

Delinquency Insights

Derive actionable insights on areas with high/low risks
Get intelligent recommendations on risk exposure in territories
Use risk map indicators like historical data of recoveries, and missed EMIs

Route Optimization

Guide FCOs to customer locations with shortest and fastest routes
Club multiple customer visits on the same route and reduce travel time

Intelligent Case Recommendation

Smart recommendations to FCOs for lead follow-ups and new lead generation
Customized individuals and group loan offerings based on multiple variables including historical repayments, income health, socio-economic conditions

Collection Coverage Analysis

Advanced analytics of various visits FCOs are making throughout the month
Complete geographical coverage at branch or cluster level

Clustering and Scheduling

Clustering and territory division of a particular area
Daily beat plan creation for FCO and dynamic case assignment based on proximity and center location

Field Force Productivity

Enables FCOs to track targets and manage incentives
Calculate distance traveled and record customer visits
Gamify daily activities to motivate FCOs and boost healthy competition

Meeting Compliance Management

Maintain customer visit compliance and complete audit trail of FCOs
Validate center meetings and analyze their quality by measuring duration, customer dispositions and number of customers tapped from individual centers

Functional Features

Intelligent case allocation
Beat planning
Address Geocoding
Catchment Area Designing
Prescriptive nudges and alerts
Risk profiling
Automated check-in and check-out
Attendance and expense management
Visit compliance and audit trail

Applying Location Intelligence to Microfinance

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