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Training deck

Sit Back & Boost Your Sales With EarlySalary EMIs

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 The Biggest Leder in India
2.7 Million
12 M + 100% digital journey
App #Disburstments No paper works or long
downloads

4,500+ Cr <15 mins journey

5,00,000+
Users Loan value For user onboarding

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700+ Corporate tie ups 5,000+ 0/low cost EMIs
Financial wellness NPS of Via merchant tie
76 ups

AWARDS & RECOGNITION OUR INVESTORS

Best Employee Benefit Product
2018 Employee Engagement Leadership Award by ET NOW
Best Lending Technology Implementation (NBFC)
BFSI Leadership Award

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 Journey Flow
1.QEC
Customer/FOS/Hospital agent will check the
eligibility of the customer.
Add. Params :
Patient relationship
Type of treatment (main/sub)
2: Basic Details+ BS +
KYC
Customer submits details, BS and KYC
documents as regular journey
3: Additional Documents
Customer submits add. Documents manually
which is uploaded on CRM for LO review.
Suspensions for these docs are
communicated manually
Proof of relationship with patient
Hospital estimate Letter
6: Final Bill
Hospital shares the final bill and enters 7: Order verification
amount with ES via LTD, case moves to
new queue - Bill uploaded ES agent reviews the bill and marks orders
ready to settle
If bill > tentative bill, agent marks
settlement flag as Y
If bill < tentative bill, new order is ingested
into the system
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5: Delivery Order 8: Final disbursal + DOS
Customer is informed of the final disbursal
ES sends a delivery order service to the
hospital confirming that upto Rs X can to the hospital when settlement is Y
be transferred on behalf of the patient Hospital is sent another DOS for final bill
settlement
4: NACH + Consent
Customer sets up NACH and gives consent to
disburse upto order amount (Hospital estimate 9: Settlement
letter)
Consent is taken to disburse approved or less Settlement is done basis the final disbursal
than approved amount on behalf of the
customer
Communication is stopped , Settlement flag is
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Quick Eligibility Check

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Quick Eligibility Check

Step 1:
Sales Agent Fills Up The Form
with Customer Consent
1. This can be opened by a merchant's sales team
via a static link

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2. Enter these 4 fields
• First Name
• Last Name
• Mobile number
• Date of birth
• Current Residential Pin code

Please note:
In case if residential pin code is not serviceable,
we will ask for office pin code in the later step

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Quick Eligibility Check

FLOAN6354

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Enter OTP to check eligibility

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Quick Eligibility Check

Step 2: PAN details

● PAN details will be auto
fetched with the help of
customer's mobile number

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● Verify the PAN details

Please note:
In case if PAN details are not fetched, agent can enter the PAN details manually in the next step

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Quick Eligibility Check

● PAN details can be entered

manually
● Office pin code required if
residential pin code is not
serviceable

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Quick Eligibility Check

Step 3:
● Enter additional details to get
the eligibility check done
Monthly salary
Email id

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Employment type
Order amount
Product name

Please note:
In case course applicant and loan applicant is
different, please select Someone Else in who is the
course applicant field

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Customer Eligibility Criteria Our Serviceable Cities Tier I & II

Customer Demographics

Age 20 TO 60 Years

Category Salaried & Self-Employed

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Min. Income Salaried Self Employed

Metro 15, 000 30, 000

Non-Metro 15, 000 25, 000

Click here to view all serviceable pin codes in INDIA

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01. Quick
01. Eligibility Check
Quick Eligibility Check

Eligibility Indication
1. Approval possibility is indicated by:

a. Green:
Very high possibility

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b. Amber:
Good possibility

c. Red:
No possibility

2. Tentative EMI plan shown as per the loan

amount

3. A link to apply on EarlySalary is sent to the

customer via an SMS on clicking “Save Order”
button.

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Customer Journey & Disbursement

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02.Customer
02. Customer Journey & Disbursement
Journey & Disbursement

Customer Login

● Customer will get a link via

SMS & Email to apply to start
EarlySalary journey

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● Customer logs in using his
mobile number to start journey

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02.Customer
02. Customer Journey & Disbursement
Journey & Disbursement

Basic Details

● Lands on a single, scrollable Your EarlySalary Loan is Just 10 min Away

page

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● Fills up the following:

○ Personal Details

○ Residential Details

○ Professional Details

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02.Customer
02. Customer Journey & Disbursement
Journey & Disbursement

Basic Details

● Lands on a single, scrollable

page

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● Fills up the following:

○ Personal Details

○ Residential Details

○ Professional Details

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02.Customer
02. Customer Journey & Disbursement
Journey & Disbursement

Bank Statement

● Shares 3 monthly salary bank account

statements

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● Net Banking
● Upload Bank statement in PDF format

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02.Customer Journey
02. Customer Journey & Disbursement
& Disbursement

KYC Process
● Submits the following for KYC:

o Bank Details

Selfie

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o PAN Card

○ KYC Document
■ Aadhaar (offline xml/images)
■ Driving license
■ Passport
■ Voter ID

o Once the KYC document is uploaded, customer

needs to enter the address mentioned on the
KYC manually.

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02.Customer Journey & Disbursement

SmartRepay Setup
● Sets up SmartRepay (Auto Payment):

○ Online: Net Banking / Debit Card / Aadhar

based OTP

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○ Offline: Print and upload

NACH form:

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 02. Disbursement Via ES WEB

Congratulations!
You have successfully
given consent for
disbursal

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Your loan will be
disbursed post
receiving final
confirmation from the
hospital

Give consent to disburse

Customer Clicks On Authorise Transaction With

Select Preferred Tenure Confirm Loan Details Gets Payment Success Message
‘Continue’ To Use The Limit an OTP

**After receiving final bill Earlysalary will do the disbursement and settlement will be done with the hospital 22
• A Delivery Order (DO) containing details of the customer and
settlement details is shared on the registered Hospital email
id for the loan disbursal

• Hospital continues / starts treatment

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EarlySalary

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Final Bill
1. LTD to have an additional button - Upload Bill

2. As soon as confirm is clicked

a. The order amount is updated for the customer basis the final bill amount
i. If bill amount > initial order amount, the order amount is unchanged
ii. If bill amount < initial order amount, the order amount changes
b. The updated order is moved to the bill uploaded queue

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Our uniqueness for merchants

No App End to end web journey on any device

Conversion Time We provide a non-stop 15 mins customer journey with an immediate

disbursement

Quick Eligibility Check Get eligibility results within a second. Without any physical documents

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Why Merchant Dashboard A comprehensive dashboard for merchants to track all customer
applications and disbursals
Us?
New To Credit We serve New to credit customers with the same speed and efficiency

No Tech Integration We can onboard a merchant and start sourcing within 24 hours no
tech integration effort at the merchant required.

Paperless Support No physicality or physical paperwork required to onboard a customer

Support Full agent assistance from 10 AM to 11 PM. All 7 days of the week & on public holidays
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Lead Tracking Dashboard

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03. Lead Tracking dashboard

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● This is a live real time tracking dashboard for your sales team
● Track from lead entry to settlement UTR in one place

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 Top performing segments and merchants

Ed-tech

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Insurance

Health

E-commerce
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 THANK YOU

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