Location-intelligent Field Force Management for Group/JLGs and Individual Loan Origination, Recovery & Disbursal
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Target and Incentive Management
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Compliance
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Travel Allowance
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In-App Nudges
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Engagement Chats/Quiz
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Offline Workflows
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Enable agents to track targets and manage incentives
Set quotas and targets for the agents across regions and hierarchies
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Track distance (km) traveled by agent
Seamless travel reimbursment calculation
Verify center meeting compliance with real-time location tracking
Track duration of center meetings to measure its quality
Monitor field agent attendance with check-in and check-out alerts
Adhoc reconnaissance tasks to hunt new villages for prospect business expansion
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Field agents can locate and view nearby cash deposit points on the app
They can access and log cash deposit details
Backend reconciliation for each deposit
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Gamify daily tasks to motivate agents and boost healthy competitionIncentive meter
Prescriptive nudges for customer follow-ups, ad-hoc, and nearby visits
Alerts for cross-selling offers to individual loan customers based on group loan recovery trends
Quizes for training and enablement of agents on the mobile app
Group and 1:1 chat for better collaboration
Help agents conduct adhoc surveys
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Quizes for training and enablement of agents on their app
Group and 1:1 chat for better collaboration
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Offline access to app in case of lack of connectivity
Sync status and visit outcomes
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Adhoc daily vists for - previous collections, field office leaves, and upcoming public holidays
Input the beat plan and instances of daily adhoc variables to create optimal day plan for each field agent
Completely automated process to account for various scenarios
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Consider branch and center location, center visit frequency, center visit day, field agent who attends to the center and create an optimal beat plan
Optimize the number of field resources, travel time, and travel KM's
Run multiple simulations to choose between business variables - change field agent's center visit, center meeting day, and more
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Relook at the territory addressed by the branch
Create snug clusters based on business parameters like centers, cumulative groups, and distance between the centers
Each cluster can be allocated to a field agent
Reduce the travel time of the field agent drastically, increase customer face time, and expand business penetration
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Current Collection
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Delinquenent Collections
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Geo-based Case Allocation
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Cash Reconciliation
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Nearest Branch/Center/Bank
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Visit Delegation
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P2P Case Prioritization
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Daily case allocation engine decides which collection agent attends particular cases based on DPD bucket, delinquency amount, skill set, location, propensity to pay etc.
Near-by' view to show other cases in proximity. Collection agents can visit them adhoc and try to do the collection
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Intelligent recommendations on risk exposure in territories
Derive actionable insights on areas with high/low risks
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In case of unavailability of an agent, delegate customer visit to another agent
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Cash reconciliation and workflow monitoring to ensure minimum leakage during cash collection and deposits
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Show nearest branch center or bank branch to agent's location to deposit cash after collection
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In case of unavailability of an agent, delegate customer visit to another agent
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Prioritize P2P cases and interlace them with day beat plans
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ID New Branches & Centers
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Movement Branches/Centers
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Village Surveys
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Branch/Center Network Optimization
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In-App Offers for Individual Loans
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Identify the most optimal location for new branches
Use Point of Interest variables like working population, income index, banks nearby, type of shops nearby, competition presence, geo reach etc. to identify and recommend new branch locations
Analyze verious areas around the proposed branch to identify center locations
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Conduct town/village surveys to set up town centers/branches at locations with high prospect clusters
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Conduct town/village surveys to set up town centers/branches at locations with high prospect clusters
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Run simulations to streamline existing branch networks
Identify opportunities for opening new ones
Map town centers to branches and agents aassigned to centers based on customer case load
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Offer creation based on customer type, geo, credit history, P2P etc
Nudging agents to cross-sell with these custom offers
Integrating offer uptake / visit outcomes with CRM/backend systems
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Run simulations to streamline existing branch networks
Branch to center mapping revisit
Optimize count and location of branches and find opportunities to open new ones
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Quantify the opportunity size in the addressable area for each branch
Compare that to the actual penetration and analyze the opportunity
Create road map to increase the penetration
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Track distance (km) traveled by agent
Seamless reimbursment calculation
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Attendance of group loan customers at center meetings based on face recognition
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Remove inconsistent addresses and unwanted geographical data points
Use ML to convert text addresses to spatial database
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Availing Offers
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Travel Allowance Reimbursement
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On-field KYC
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Face Recognition
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Geo-tagging/Address Verification
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Facilitate group/individual offer communication to members
Offer workflow to track them to closure
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Track distance (km) traveled by agent
Seamless reimbursment calculation
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Doorstep KYC verification of individual loan customers
Document upload and verification
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Attendance of group loan members at center meetings based on face recognition
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Remove inconsistent addresses and unwanted geographical data points
Use AI to convert text addresses to spatial database
Field Force Management
Tracking and Compliance
Tracking - KM’s travelled and travel reimbursement
Compliance - Center meeting/meeting duration
Attendance
Adhoc activity reporting - Recce
Cash Deposit Points
View nearby deposit points
Deposit details and reconciliation
Target and Incentive Management
Incentive meter
Seasonal
Core Features
Gamification
Prescriptive nudges
Chat/Quiz
Adhoc surveys
Leaves
Other Reimbursements
Route Optimization
Center Visit Beat Plan
Consider branch and center location, center visit frequency, center visit day, field agent who attends to the center and create an optimal beat plan
Optimize the number of field resources, travel time, and travel KM's
Run multiple simulations to choose between business variables - change field agent's center visit, center meeting day, and more
Daily Optimization
Adhoc daily vists for - previous collections, field office leaves, and upcoming public holidays
Input the beat plan and instances of daily adhoc variables to create optimal day plan for each field agent
Completely automated process to account for various scenarios
Agent Territory Mapping
Relook at the territory addressed by the branch
Create snug clusters based on business parameters like centers, cumulative groups, and distance between the centers
Each cluster can be allocated to a field agent
Reduce the travel time of the field agent drastically, increase customer face time, and expand business penetration
Collections
Current Collection
Proximity-based case allocation to field agents
Actionable visual intelligence to improve collection throughput
Delinquenent Collections
Prioritize DPD cases based on high/low priority
Derive actionable insights on areas with high/low risks
Intelligent recommendations on risk exposure in territories
Geo-based Case Allocation
Assign cases to agents based on the territories they are mapped with
Proximity based individual loan customer assignment
Market Penetration
Network Optimization
Run simulations to streamline existing branch networks
Branch to center mapping revisit
Optimize count and location of branches and find opportunities to open new ones
Identify Penetration Strength
Quantify the opportunity size in the addressable area for each branch
Compare that to the actual penetration and analyze the opportunity
Create road map to increase the penetration
Business Expansion
ID New Branches & Centers
Identify the most optimal location for new branches
Use Point of Interest variables like working population, income index, banks nearby, type of shops nearby, competition presence, geo reach etc. to identify and recommend new branch locations
Analyze verious areas around the proposed branch to identify center locations
Recce/Village Surveys
Conduct town/village surveys to set up town centers/branches at locations with high prospect clusters
Others
Offer Dissemination
Facilitate group/individual offer communication to members
Offer workflow to track them to closure
Face Recognition
Attendance of group loan members at center meetings based on face recognition
Address Verification
Remove inconsistent addresses and unwanted geographical data points
Use AI to convert text addresses to spatial database