Location-intelligent Field Force Management for Group/JLGs and Individual Loan Origination, Recovery & Disbursal

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Enable agents to track targets and manage incentives
Set quotas and targets for the agents across regions and hierarchies
Target and Incentive Management
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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
Meeting compliance management
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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
Travel Allowance
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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
In-App Nudges
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Quizes for training and enablement of agents on their app
Group and 1:1 chat for better collaboration
Engagement Chats
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Offline access to app in case of lack of connectivity
Sync status and visit outcomes
Offline Workflows
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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
Location-Intelligent Lead Scheduling
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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
Beat Plan
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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
Mapping field agents to snug territory clusters
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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
Current Collection
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Intelligent recommendations on risk exposure in territories
Derive actionable insights on areas with high/low risks
Delinquenent Collections
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In case of unavailability of an agent, delegate customer visit to another agent
Visit Delegation
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Cash reconciliation and workflow monitoring to ensure minimum leakage during cash collection and deposits
Cash Reconciliation
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Show nearest branch center or bank branch to agent's location to deposit cash after collection
Showing nearest branch or center to agent's location for cash deposit
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In case of unavailability of an agent, delegate customer visit to another agent
Visit Delegation
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Prioritize P2P cases and interlace them with day beat plans
P2P case prioritization
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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
Identifying optimal locations for branches and centers
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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
Network Optimization
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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
Branch Network Optimization
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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
In-app offers
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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
Network Optimization
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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
Branch Network Optimization
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Track distance (km) traveled by agent
Seamless reimbursment calculation
Travel Allowance
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Attendance of group loan customers at center meetings based on face recognition
Face Recognition
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Remove inconsistent addresses and unwanted geographical data points
Use ML to convert text addresses to spatial database
Address Verification
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Facilitate group/individual offer communication to members
Offer workflow to track them to closure
In-app offers
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Track distance (km) traveled by agent
Seamless reimbursment calculation
Travel Allowance
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Doorstep KYC verification of individual loan customers
Document upload and verification
KYC verification and document upload
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Attendance of group loan members at center meetings based on face recognition
Face Recognition
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Remove inconsistent addresses and unwanted geographical data points
Use AI to convert text addresses to spatial database
Address Verification

Field Force Management

Tracking and Compliance
Tracking - KM’s travelled and travel reimbursement
Compliance - Center meeting/meeting duration
Attendance
Adhoc activity reporting - Recce
View nearby deposit points
Deposit details and reconciliation
Incentive meter
Seasonal
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
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
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
Prioritize DPD cases based on high/low priority
Derive actionable insights on areas with high/low risks
Intelligent recommendations on risk exposure in territories
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
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
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
Attendance of group loan members at center meetings based on face recognition
Remove inconsistent addresses and unwanted geographical data points
Use AI to convert text addresses to spatial database