Location-first Field Force Management for Group & Individual Loan Meetings & Collections
Improve true visits, record km tracking, ensure visit compliance, seamless travel allowance disbursals, and boost market penetration.
Business Impact
Reduction in Travel Time and Distance (km)
1
%
Increase in Customer Facetime
1
%
Reduction in Field Force Requirement
1
%
Optimize Field Force Orchestration for Group and Individual Loans with Location Intelligence
Field Force Management
Target and Incentive Management
Route Optimization
Compliance
Reimbursement
Nudges
Chat/Quiz
Offline Workflow
Recovery and Collections
Regular
Delinquencies
Assign Collections
Payment Gateways
Near by Views
Reconciliation
Nearest BC/Bank Branch
Delegation
P2P Case Prioritization
Business Expansion - Group Loan
New Branches
New Centers
Movement Branches/Centers
Village Surveys
Center Creation
Network Optimization
Business Expansion - Individual Loan
Offers Creation
Offers Dissemination
Offers Workflow
Offers Disposition
Group Loan
Group Creation
Loan Workflow
Disbursement
Credit Bureau Check
Face Recognition
Geo-tagging
Cross-sell to Individual Loan Customers
Offers Availing
Disbursement
On-field KYC
Credit Bureau Check
Face Recognition
Geo-tagging/Address Verification
Aadhaar based Verification
Location-intelligent Field Force Management for Microfinance Institutions
Field Force Productivity
3-5 km radius snug clustering and territory allocation to agents
Enable field force to track targets and manage incentives
Calculate distance traveled and record customer visits
Gamify daily activities to motivate agents and boost healthy competition
Route Optimization
Intelligent scheduling combining beat plans with optimized routes for higher market penetration and meeting & exceeding KPIs
Prescriptive day plan recommendations to the field force to cover more customers with shortest and fastest routes
Club multiple customer visits on the same route and reduce travel time
Interlace individual loan customers with planned group loan visits; prioritizing P2P, delinquent case and more
System recommendation to visit a nearby customer who is at risk or not visited recently
Optimize routes based on center visit dates, km saved, hours in the field
Field Collection and Recovery
Proximity-based case allocation to field agents
Improve collection throughput
Actionable visual intelligence
Location-driven collection strategy
Business Expansion
Apply PoI data variables like average household income, working population, government offices, in certain areas
Identify underserved regions and high growth areas within micro markets and customize product offerings to increase market penetration
Group & Individual Loan Origination Field Orchestration
Geo-based group creation
End-to-end loan workflow
Offer/Scheme dissemination for individual loans - cross-sell opportunity
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 field agents are not making dead runs to centers far from other town centers
Site Selection - Branches and Town Centers
Use PoI (Point of Interest) variables like high working population, income index, etc. to identify individuals or families for loan offerings
Conduct town or village surveys to set up town centers/branches at locations with high prospect clusters
Meeting Compliance Management
Maintain customer visit compliance and complete agent’s audit trail
Validate center meetings and analyze their quality by measuring duration, customer dispositions and number of customers tapped from individual centers
Intelligent Case Recommendation & Cross-sell Offers
Smart recommendations to field agents 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
Custom offers to individual loan customers based on group loan recovery trends
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
Role-based Challenges
Functional Features
Prescriptive Daily Route Optimization
Optimized Beat Planning
Center, Branch and Agent Network Planning
Prescriptive Nudges and Alerts
Risk Profiling
Facial Recognition for Smart Attendance
Expense Management
Visit Compliance and Audit Trail
Address Geocoding
Applying Location Intelligence to Microfinance
Related Resources
Prominent Microfinance Firm Gets Real-Time Visibility on Loan Officers with Dista Sales
Top 5 Location Intelligence Use Cases for NBFC and MFI
