Customer 360 degree view is the core task of every lending business. The view delivers value only when it is seamlessly available. Every lending institution spends a lot of money in procuring credit bureau data, but a lot of times lies highly underutilised due to this lack of “seamlessness”. We designed and developed a MySQL analytical database for descriptive and predictive analytics. This database feeds on regular credit bureau files and creates a bureau 360-degree view. Accurate extraction from the non-digitized, binary format bureau files; and appropriate table updating brought in accuracy, efficiency, and completeness in building this foundation data.

Employee productivity is a critical element. Assessing it and tracking it regularly are the regular activities in process improvements, be it the process of underwriting, the sales process or collections process. We collaborated in the process of defining the key performance indicators (KPIs or Metrics), led the process of design, development and deployment of effective dashboards for two major workforce of the company, namely, the credit underwriting team and the sales team. Platform used was Tableau. Likewise, in a similar process, dashboards were built for portfolio tracking.

Under-served and hard to reach market comes with its own share of data challenges. In the data-driven solution strategy, often ML based scorecard plays an important role. We have been continuously building solution strategies for the client touching various stages of the customer lifecycle, i.e. from acquisition to account management to collections. One noteworthy set of solutions is the collections strategy we build. In it, have built ML scorecards covering different stages of collections (like Bounce scorecards, scorecards predicting an account going from Bad-stage to Worse-stage).