MONTHLY REPORT
(WRITE-UP -26-06-19)
Title - Branch Operations and Process Improvement
Things Learnt:-
• KPI (KEY PERFORMANCE INDICATORS) of Relationship
Manager:-
3. Payment Collections.
1. Sanction letter
2. Loan Schedule
3. MITC
4. KYC Check
5. Disbursal
6. Pre Payment
7. Insurance
8. Promissory Note
• Overview of our product (Home Loan (Fresh as well as
Resale), Shop Loan, Mortgage Loan (LAP), SeCo Loan, Top
up Loan).
• Target Segmentation.
• Overview of overall process of execution (CIBIL SCORE
generation and its importance ,CIBIL SCORE analysis,Credit
Policy -650, Stages in Process, Sales force Portal and its basic
uses in process).
• Field Visit with CSM and RM for Verification & Document
Collections.
• Basic Terminologies (FOIR<50%, LTV<=90%).
• Product pitching for Referral Customers for Referral leads
and Top-Up Leads (Calling).
• Co-ordination in META MARKETING EVENT for Naroda
Branch- Approached various potentials markets for LAP,
understanding the marketing strategies & pitching tools.
• Understandings the scheme of Pradhaan Mantri Awas Yojna.
• Documents Required from Customers for loan sanction:
1. Original KYC for verification & Xerox copies of (Aadhar
Card,Pan Card).
2. Electricity Bill.
3. Last 6 Months Pass Book History.
4.2 Passport Size Photo.
5.6 Blank cheque leaflets.
1. Mixed roles & responsibilities of CSM & RM- BM & ACSM should
define clear cut KPIs for RM & CSM.