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Intelligence
Policies, playbooks, segment guides, regulatory notes and lessons from past cases.
20 documents, most recently updated first
PlaybookKB-011
What to do after a bounce for insufficient funds, and why a mandate cancelled by the customer is treated as urgent.
Collections operations · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 29 Sep 2026
LessonKB-019
When a government project stops paying its contractors, the machines go idle within weeks. How to tell a pause from a collapse, and how redeployment saved most of our loans last time.
Head of Construction Equipment Finance · CE
Updated 26 Sep 2026
Cited by 254 cases
PlaybookKB-036
Floods, strikes, mining bans and project halts hit every loan in a district at once. A checklist for the first week.
Head of Collections · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 30 Jul 2026
PolicyKB-001
How the early-warning score is built from 29 signals, what each band means and what the collections team must do at each band.
Head of Credit Risk Policy · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 30 Jun 2026
Regulatory noteKB-026
Principles for collecting, using and showing customer data, including telematics and bureau data. Check the current RBI direction and data-protection law for detail.
Compliance, with Information Security · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 12 Jun 2026
PolicyKB-005
When collections may reschedule an instalment, who approves it, and how it is recorded.
Head of Collections · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 20 May 2026
PolicyKB-006
Repossession is the last step. The conditions, approvals and conduct that apply before any vehicle is taken back.
Head of Collections · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 20 May 2026
PlaybookKB-040
Score drops, new loans elsewhere and delinquency at other lenders. What each means, and how much weight to give it.
Credit risk analytics · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 22 Apr 2026
Cited by 784 cases
PlaybookKB-016
Insurance, fitness, permits, road tax and e-challans. Why they matter to us and how to chase each one.
Collections operations · M&HCV, LCV, SCV, Used CV, Tractors, CE, 3W
Updated 17 Apr 2026
PolicyKB-007
How dealers are empanelled, what we monitor every month, and when a dealer is put on hold.
Head of Sales, with Credit Risk · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 12 Feb 2026
PlaybookKB-010
The first 30 days decide most outcomes. Call scripts, timings and what to record for loans in the 1 to 30 bucket.
Head of Collections · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 22 Jan 2026
Regulatory noteKB-023
The principles that govern how we contact borrowers and recover dues. Check the current RBI direction before relying on any detail.
Compliance · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 8 Jan 2026
Regulatory noteKB-024
The principles for notice before repossession, conduct at the time, and the borrower's right to redeem. Check the current RBI direction for the detail.
Compliance · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 8 Jan 2026
Regulatory noteKB-025
How overdue accounts move through special-mention categories into non-performing assets, in principle. Check the current RBI direction for the exact rules.
Finance, with Compliance · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 2 Dec 2025
PlaybookKB-012
A field visit has three jobs: see the vehicle, hear the borrower, and record both so the next person doesn't start again.
Head of Field Collections · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 14 Nov 2025
PlaybookKB-038
A promise to pay is only useful if it has a date, an amount and a follow-up. How to take one and what to do when it is broken.
Head of Collections · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 3 Oct 2025
Cited by 781 cases
PlaybookKB-039
When to contact a co-borrower or guarantor, what to say, and why their own credit matters to the case.
Collections operations · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 11 Sep 2025
Cited by 716 cases
PlaybookKB-013
Steps to take when the borrower's phone has been unreachable for seven days or the number has changed.
Collections operations · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 8 Aug 2025
Segment guideKB-020
Who buys construction equipment, how they are paid, and the seasons and projects that drive repayment.
Head of Construction Equipment Finance · CE
Updated 21 Jul 2025
LessonKB-037
Two tippers in a stopped fleet were damaged while their insurance had lapsed. What it cost, and why insurance renewal comes first.
Regional collections manager, East · M&HCV, CE
Updated 16 May 2025
Cited by 776 cases