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L&T Finance. Rejection Control UTTAM MAITY Regional Training Manager West Bengal.
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PUBLIC. To Increasing Sourcing Throughput To Increasing FLO Productivity To Reducing Customers credit check cost To Improving Sourcing Quality To Maintain Good Repayment Record.
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PUBLIC. Credit Rejection Reason & Solutions. Reason for Credit Rejection Solutions Rejected due to Association Rule Ask to the customers about active loans before the login Rejected due to Exposure rule Calculate loan outstanding of active loans before the login Rejected due to DPD MFI Check loan passbook for loans repayment record before the login ACTIVE LTF LOAN Loan eligibility check is must for fresh customers sourcing ACTIVE LTF LOAN AS PER BRNET Check active loan status through MERC, If showing active do the Call log Min Disb Amount - MTRP Review the sanctioned amount.
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PUBLIC. FOIR Rejection Reason & Solutions. Reason Solutions EMI Obligation High Ask to the customers about total active loans EMI before the login Minimum HH Income not match Recheck the HH Income.
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PUBLIC. BPM Rejection Reasons 1/2. Not interested due to low Sanction amount Customer related to FLO Customer did not apply for loan Ring leader influence in the group Customer sourced from Un-approved village.
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PUBLIC. BPM Rejection Reasons 2/2. Issues in KYC – Original not available/Invalid Group members are blood relatives Customer does not fall under geo limit from Branch Applicant & Co-applicant does not fall under the age limit Customers profile/income not satisfactory.
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PUBLIC. Checkpoints to Reduce Rejection. Age of applicant & co-applicant Customer & Co-Applicant’s Occupation Agreeing to the JLG model (Y/N) Member belonging to same/nearby village (Y/N) Co-Applicant’s Consent (Y/N) Commission for taking loan (Y/N).
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PUBLIC. Rahul ji, tell me why are you getting so many OPS rejections?.
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PUBLIC. [image]. RPM Sir, I am also confused, how do I fix this?.
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PUBLIC. [image]. Rahul ji, today I will tell you some checkpoints, if you take care of all of them then your rejection will become absolutely zero..
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PUBLIC. [image]. Most of the OPS rejections happen due to non-compliance with the bank document guidelines given by the OPS team..
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PUBLIC. Ops Rejections. Except Applicant & Co-Applicant name and KYC-1 all field are editable. Our mission is reduce rejection and ensure quality sourcing. Do not reject any customer if it can be approved after changing few details/documents..
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L&T Finance. THANK YOU. PUBLIC.