CrediTron

Automate | Control | Strategize |Execute

A unique combination of Seamless delivery,
advance analytics and Automated strategies
About Us

We are committed to leverage technology, analytics and expertise in BFSI

segment to lift the customer contact ecosystem in Indian market. We help
organizations in scaling up sales, curing delinquencies and customer care
units.
We specialize in swift portfolio coverage, segmentation-based
communication plans and integrated execution systems. We have a
specialized team of 500+ who engage with customer through tele-calling
and field visits. These teams are supported by analytics and strategy
powered by highly skilled analytics and management team.

CrediTron
• Data protection • State of the art infra equipped with Tele
• Purging calling, SKIPtracing & field collection teams.
• Safeaccess • >15000 Sq. feet of call center floors.
• Exceptional data analytics capabilities • Highly skilled quality controlteam.
• High level delivery on SLAandperformance.
• Predictive dialing. GSM/PRI/Cloud
telephony

• Early WarningSignals • Accurate reporting. Performance monitoring

• SKIPidentification dashboards and MIS.
• Field referrals • OBDcall volumemanagement.
• Advance TCmonitoring tools • Number spammingMIS
• Flagging Fraud and clustereddefaults • Constant floor hygienemonitoring

CrediTron
Key Delivery Modules

• Customer profiling Module

• Digital communication channel performance module
• Digital Communication prioritisation module
• Quality monitoring Module
• Process Efficiency module Module
• Dialer Strategy Module
• Strategy validation module

CrediTron
Key Delivery Modules

Profiling based on risk

variables
Portfolio Profiling based on Collection
Segmentation behavior variables

• Based on the feedback Input Data = Customer profile

from different channels + Repayment Data +
Re-align Segments Propensity to
customer profile is Collection disposition data
and delivery repay engine
further segmented and • Propensity to repay
redefined • Priority segments

• No third PartData • State of the arttele calling

Exchange Feedback setup
• Internal feedback Consumption End to End • Field presence and associated
analytics from Execution Execution agencies
• Quick plug andPlay Channels • SMS, EMAIL, IVR capability
response systems
CrediTron
200+ Variables Used*
Key Delivery Modules

Propensity Integration Execution Disposition Analytics

Forecasting State of the art Deposition of Analytics Module

Seamless
Default risk collection setups. collection for Strategy and
integrations with
&Segment level Swift andfocused attempts captured rule engine
execution system
action plan delivery to defineprofiling monitoring

Data
Inpu
t
CrediTron
Digital Communication priority & Quality Monitoring Module

Digital Communication priority Quality Monitoring Module

• Propensity model • Realtime call barging and Monitoring.

• Repayment curve priority model: Best time of the • CRM for Call Qualitymanagement
month to reach to asegment. • Dashboarding and report out
• Cost benefit : Communication plans at channel level
based on cost budgets

CrediTron
Customer profiling Module

High

Price sensitive Unaware

Capacity to Pay

Intentional Default Low Capacity

Low Intent to Pay High

CrediTron

Om Financial Limited (A unit of SKB enterprises)

Customer profiling Module (Contd.)

1 (Humor) 2 (Attention) 3 (Sarcasm) 4 (Aggression)

Attributes: Attributes: Attributes: Attributes:

• Customer types: Sloppy • Customer types: Sloppy
repayment and repayment, competitive,
competitive Low Capacity and
• DPD: 0-30 DPD Intentional Default
• Balance Band: Across all • DPD: 0-30 and 30+ DPD
balance Bands • Balance Band: All balance
Bands excluding < 5000
INR accounts
• Customer types: • Customer types:, Low
Competitive, LowCapacity Capacity and Intentional
and Intentional Default Default
• DPD: 0-30 and 30+ DPD • DPD: 30+ DPD
• Balance Band: All balance • Balance Band: All balance
Bands excluding < 5000 Bands excluding < 5000
INR accounts INR accounts

CrediTron

Om Financial Limited (A unit of SKB enterprises)

Digital Communication & Channel performance module

Includes all Channels of communication and analytics around customer behaviour at

channel level
- IVR
- SMS
- Email
- WhatsApp
- App notifications
- Which channel is best suitable for customer to get better conversion.
- Best time of use for eachchannel
- Funnel individual channel

CrediTron

Om Financial Limited (A unit of SKB enterprises)

Communication strategy samples

Tonality Unaware/Sloppy
repayment Competitive/ price
Low Capacity Intentional Default
sensitive

Humor ✔ ✔ ✔ ✔
Attention ✔ ✔ ✔ ✔
Sarcasm ✔ ✔
UP-Bihar ✔ ✔

CrediTron

Om Financial Limited (A unit of SKB enterprises)

Communication strategy samples

Channel Unaware/Sloppy
<15 DPD
repayment Competitive/ price
Low Capacity Intentional Default
sensitive

IVR ✔ ✔ ✔ ✔

SMS ✔ ✔ ✔ ✔

Emailers ✔ ✔ ✔ ✔
App ✔ ✔ ✔ ✔
Notification

WhatsApp ✔ ✔

Social media ✔ ✔ ✔

Manual Call ✔ ✔ ✔

Field Visit* ✔
Alternate ✔
Contact data

SKIP Tracing ✔

CrediTron

Om Financial Limited (A unit of SKB enterprises)

Portfolio & Process Efficiency module

● Portfolio tracking: Example (Collections Metric)

○ 0+, 30+ , 60+ 90+ delinquency
○ Current to 30, 30-60, 60-90, 90+ Resolutions rates.
○ Coincidental Delinquency
○ Lagged delinquency
○ Vintage curve for the portfolio.
○ Cohort views
○ Applicable cuts/Segments to be applied
● Process Tracking:
○ AHT, TOS,Login time, Idle time, Resolution at processlevel
■ Attempts %
■ Connects %
■ Promises %
■ Kept promises %
● Campaign tracking
● Team Leader tracking
● Tele caller tracking CrediTron
Dialer Strategy and validation module

● Best Time to Call

● Penetration requirement/ Intensity
● ACRcalculator

- ACRfull form?
- Account collections (high risk): capacity of agent
- intensity
- Resolution
- High risk, medium, low risk users
- Day wise controlling

CrediTron
Execution

CrediTron
Execution
Infrastructure
• Highly Experienced management
team. 15+ years of experience in
Call center industry
• Vintage setups delivering contact
center value across industries and
markets.
• Highly scalable, adaptable and
agile approach.
• Automation askey to successis
our philosophy
Process
• Deep focus on agent qualityand
floor hygiene.
• Ensure complete delivery of SLAs
• Well through through workflows
and processes.
Technology
• Best in class hardware andIT
systems.
• Zero downtime processes
• Data and analytics is ourcore
strength.
• We use SKIPtracing mechanism
which are unique to us
People
• 1200 + Call center employees
across setups.
• 70+ Feet on street employees.
• 55+ team leaders and Trainingstaff
• Dedicated process managers and
QA for each process.
CrediTron
Contact

Branch offices – Email: info@creditrons.com

Head office:GURGAON Om Financials – 2nd Floor Akarsh@creditrons.com
Phone: 7999077790 C5, Uttam Nagar East ,New Kiran@creditrons.com
Email: info@creditrons.com Delhi 110059
Address: 598 Udhyog Vihar,
Phase V , Gurgaon STC - 401/402 Vishwadeep
122016 Haryana Tower,District Center
,Janakpuri ,Janakpuri West
CrediTron
110018