How the work actually gets done.

Step 3

Take a lead at the customer's door

Capture an enquiry on a phone, check it is not somebody you already lend to, and create the customer without going back to the branch.

Sales officer

Step 4

Complete a customer's KYC

Fill in what a doorstep capture could not, attach the identity documents, and get the record to a state a loan file can be opened on.

Credit / Operations

Step 5

Open a loan application

Turn a customer into a loan file, choose the scheme, and see what is blocking the next stage before you press anything.

Credit officer

Step 6

Disburse a loan

Raise a tranche, have somebody else release it, and see the money reach the borrower and the books at the same moment.

Operations

Step 10

See the accounting behind a loan

Every loan event posts a voucher as it happens, so the books are not a month-end reconciliation exercise.

Accounts

Step 11

Prepare an RBI return

Generate the return from the book rather than from a spreadsheet somebody maintains, and see what it was built from.

Compliance