Step 1: Generating Prospects Step 2: Onboarding

Purple Green Auto-Fetch via IB

Green Blue White PGBW Manual Upload
Blue White Credentials
Month Leads Prospects Leads Prospects 18% 35% Prospects Onboarded Prospects
Jan-18 4,278 772 4,278 1,510 0.1805 0.3530 1,141 340 1,141
Feb-18 4,548 820 4,548 1,591 0.1803 0.3498 1,206 366 1,206
Mar-18 5,939 1,058 5,939 2,088 0.1781 0.3516 1,573 474 1,573
Apr-18 4,925 843 4,925 1,734 0.1712 0.3521 1,289 390 1,289
May-18 4,631 844 4,631 1,640 0.1823 0.3541 1,242 365 1,242
Jun-18 5,219 944 5,219 1,826 0.1809 0.3499 1,385 418 1,385
Jul-18 7,104 1,242 7,104 2,402 0.1748 0.3381 1,822 540 1,822
Aug-18 8,277 1,498 8,277 2,925 0.1810 0.3534 2,212 652 2,212
Sep-18 9,902 2,080 9,902 3,320 0.2101 0.3353 2,700 810 2,700
Oct-18 11,182 2,019 11,182 3,920 0.1806 0.3506 2,970 910 2,970
Nov-18 12,335 2,180 12,335 4,450 0.1767 0.3608 3,315 976 3,315
Dec-18 12,334 2,323 12,334 4,214 0.1883 0.3417 3,269 988 3,269
Jan-19 13,454 2,102 13,454 4,602 0.1562 0.3421 3,352 1,102 3,352
Feb-19 16,891 3,068 16,891 6,020 0.1816 0.3564 4,544 1,374 4,544
Mar-19 16,074 2,766 16,074 5,624 0.1721 0.3499 4,195 1,259 4,195
Apr-19 16,448 3,222 16,448 5,420 0.1959 0.3295 4,321 1,309 4,321
May-19 14,678 2,666 14,678 5,240 0.1816 0.3570 3,953 1,187 3,953
Jun-19 15,442 2,644 15,442 5,322 0.1712 0.3446 3,983 1,199 3,983
Jul-19 18,246 3,180 18,246 6,420 0.1743 0.3519 4,800 1,440 4,800
Aug-19 22,860 4,114 22,860 8,001 0.1800 0.3500 6,058 1,942 6,058
Sep-19 24,712 4,448 24,712 8,620 0.1800 0.3488 6,534 1,976 6,534
Oct-19 28,713 5,180 28,713 10,050 0.1804 0.3500 7,615 2,285 7,615
Nov-19 34,006 5,880 34,006 12,400 0.1729 0.3646 9,140 2,742 9,140
Dec-19 41,935 7,640 41,935 14,444 0.1822 0.3444 11,042 3,330 11,042
Jan-20 36,436 6,340 36,436 12,820 0.1740 0.3518 9,580 2,874 9,580
Feb-20 34,119 6,002 34,119 12,222 0.1759 0.3582 9,112 2,876 9,112
Mar-20 35,994 6,468 35,994 12,886 0.1797 0.3580 9,677 2,964 9,677
Apr-20 36,200 6,516 36,200 12,670 0.1800 0.3500 9,593 2,874 9,593
May-20 37,117 6,582 37,117 13,120 0.1773 0.3535 9,851 3,008 9,851
Jun-20 37,828 6,988 37,828 14,238 0.1847 0.3764 10,613 3,184 10,613
nboarding Step 3: Credit Assessment Step 4: Communica
Auto-Fetch via IB
Geography Focused Income Focused Voice Bot
Credentials
Onboarded 30% 45% Sanctioned Default 6% Sanctioned Default 5% Borrowers
520 0.2980 0.4557 410 28 7% 410 20 5% 386
551 0.3036 0.4571 421 27 6% 421 21 5% 397
690 0.3013 0.4387 542 37 7% 542 29 5% 509
565 0.3027 0.4385 462 31 7% 462 21 5% 436
552 0.2939 0.4444 455 32 7% 455 22 5% 428
610 0.3018 0.4404 508 33 6% 508 28 6% 477
826 0.2964 0.4533 670 41 6% 670 25 4% 637
964 0.2948 0.4359 762 52 7% 762 39 5% 717
1,215 0.3000 0.4500 965 60 6% 965 52 5% 909
1,338 0.3064 0.4506 1,092 65 6% 1,092 54 5% 1,032
1,499 0.2944 0.4522 1,201 85 7% 1,201 60 5% 1,129
1,452 0.3023 0.4442 1,220 80 7% 1,220 61 5% 1,148
1,510 0.3288 0.4505 1,284 75 6% 1,284 60 5% 1,216
2,041 0.3024 0.4492 1,688 115 7% 1,688 90 5% 1,585
1,888 0.3001 0.4501 1,570 95 6% 1,570 79 5% 1,483
1,940 0.3029 0.4490 1,600 112 7% 1,600 80 5% 1,504
1,779 0.3003 0.4500 1,440 90 6% 1,440 72 5% 1,359
1,732 0.3010 0.4348 1,410 95 7% 1,410 71 5% 1,327
2,160 0.3000 0.4500 1,740 113 6% 1,740 87 5% 1,640
2,634 0.3206 0.4348 2,112 144 7% 2,112 108 5% 1,986
2,874 0.3024 0.4399 2,328 134 6% 2,328 110 5% 2,206
3,465 0.3001 0.4550 2,800 182 7% 2,800 140 5% 2,639
4,113 0.3000 0.4500 3,410 221 6% 3,410 179 5% 3,210
4,969 0.3016 0.4500 4,002 260 6% 4,002 200 5% 3,772
4,311 0.3000 0.4500 3,590 220 6% 3,590 162 5% 3,399
4,122 0.3156 0.4524 3,382 210 6% 3,382 172 5% 3,191
4,350 0.3063 0.4495 3,545 248 7% 3,545 168 5% 3,337
4,311 0.2996 0.4494 3,402 210 6% 3,402 170 5% 3,212
4,433 0.3053 0.4500 3,624 235 6% 3,624 188 5% 3,412
4,642 0.3000 0.4374 3,832 251 7% 3,832 194 5% 3,610
Step 4: Communication for Payment Reminder Step 5: Borrower Query Resolu

Voice Bot Email/SMS EMail Ticket

Timely Payment Borrowers Timely Payment 78% 67% Complainant

300 386 258 0.7772 0.6684 52
320 397 265 0.8060 0.6675 61
397 509 341 0.7800 0.6699 42
336 436 288 0.7706 0.6606 33
333 428 280 0.7780 0.6542 40
378 478 311 0.7925 0.6506 56
499 637 426 0.7834 0.6688 49
560 715 477 0.7810 0.6671 54
709 909 609 0.7800 0.6700 72
804 1,033 690 0.7791 0.6680 83
881 1,128 752 0.7803 0.6667 84
880 1,149 755 0.7666 0.6571 91
957 1,217 818 0.7870 0.6721 94
1,222 1,586 1,062 0.7710 0.6696 118
1,156 1,483 992 0.7795 0.6689 102
1,174 1,504 1,008 0.7806 0.6702 142
1,060 1,359 902 0.7800 0.6637 101
1,100 1,327 880 0.8289 0.6631 121
1,254 1,640 1,099 0.7646 0.6701 114
1,552 1,986 1,323 0.7815 0.6662 194
1,710 2,206 1,478 0.7752 0.6700 182
2,042 2,639 1,762 0.7738 0.6677 225
2,502 3,210 2,150 0.7794 0.6698 243
2,888 3,772 2,544 0.7656 0.6744 302
2,543 3,399 2,270 0.7482 0.6678 248
2,488 3,191 2,137 0.7797 0.6697 285
2,608 3,337 2,228 0.7815 0.6677 262
2,500 3,212 2,152 0.7783 0.6700 108
2,660 3,413 2,289 0.7796 0.6707 122
2,811 3,609 2,418 0.7787 0.6700 118
Step 5: Borrower Query Resolution TAT

EMail Ticket Chat Bots

Average TAT Complainant Average TAT 67% 32%

58.2 52 30.2 1.119230769 0.58076923077
57.3 61 28.1 0.939344262 0.4606557377
61.1 42 25.3 1.454761905 0.60238095238
52.8 33 17.4 1.6 0.52727272727
55.2 40 28.3 1.38 0.7075
56.7 56 30.0 1.0125 0.53571428571
62.2 49 30.6 1.269387755 0.62448979592
52.4 54 30.2 0.97037037 0.55925925926
52.1 72 29.9 0.723611111 0.41527777778
56.9 83 33.2 0.685542169 0.4
57.3 84 31.1 0.682142857 0.37023809524
58.4 91 26.5 0.641758242 0.29120879121
55.2 94 25.4 0.587234043 0.27021276596
55.3 118 31.5 0.468644068 0.26694915254
58.4 102 26.8 0.57254902 0.26274509804
63.8 142 29.4 0.449295775 0.20704225352
60.1 101 32.1 0.595049505 0.31782178218
59.1 121 25.4 0.488429752 0.20991735537
59.9 114 28.7 0.525438596 0.25175438596
69.2 194 29.9 0.356701031 0.15412371134
66.2 182 27.3 0.363736264 0.15
61.3 225 22.3 0.272444444 0.09911111111
60.4 243 29.9 0.248559671 0.12304526749
63.2 302 32.4 0.209271523 0.10728476821
69.2 248 30.2 0.279032258 0.12177419355
66.5 285 33.9 0.233333333 0.11894736842
71.0 262 28.8 0.270992366 0.10992366412
60.2 108 30.0 0.557407407 0.27777777778
63.5 122 29.6 0.520491803 0.24262295082
62.3 118 23.4 0.527966102 0.19830508475
 903 1348
960 1433
1254 1871
1040 1551
978 1459
1102 1644
1500 2238
1747 2607
2090 3119
2360 3522
2604 3886
3756 5606
3501 5225
3565 5321
3393 5063
1224 1826
1055 1574
1350 2014
1291 1926
1396 2084
5216 7784
6060 9045
7177 10712
8851 13210
7690 11478
7201 10748
 2995 8557
3184 9097
4158 11879
3448 9851
3242 9263
3653 10438
4973 14210
5794 16555
6932 19806
7828 22364
8635 24672
12458 35593
11612 33177
11824 33783
11252 32149
4058 11594
3498 9993
4476 12788
4280 12229
4630 13229
17299 49424
20100 57427
23804 68012
29355 83871
25506 72874
23884 68240