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Intelligence
Policies, playbooks, segment guides, regulatory notes and lessons from past cases.
26 documents, most recently updated first
PlaybookKB-022
An application to transfer the registration or remove our hypothecation, without our no-objection certificate, means the vehicle may be about to be sold. Act the same day.
Head of Collections · Used CV, M&HCV, LCV, SCV, Cars
Updated 6 Oct 2026
Cited by 9 cases
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-014
When a lease suspension stops a mining district, tipper loans fail together. What we learned from an earlier suspension, and what to do in the first two weeks.
Regional credit manager, East · M&HCV
Updated 24 Sep 2026
Cited by 1 case
Segment guideKB-008
A bus earns only while its fitness certificate and permit are valid. How to track both and what to do when they lapse.
Regional credit manager, North · M&HCV
Updated 18 Aug 2026
Cited by 719 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
Segment guideKB-030
Diesel is 35 to 45% of a truck's running cost. How a price rise reaches the operator's margin and the instalment.
Credit risk, commercial vehicles · M&HCV, LCV, Used CV
Updated 14 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-002
Eligibility, loan-to-value, tenure and income assessment for new trucks, tippers, buses, LCVs and pickups.
Chief Credit Officer · M&HCV, LCV, SCV
Updated 1 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
LessonKB-029
When freight rates fell by more than 10% on one corridor, small fleets ran at a loss for three months. Which borrowers held, and which signals warned us.
Regional credit manager, West · M&HCV, Used CV
Updated 28 Oct 2025
Cited by 326 cases
Segment guideKB-009
Tippers earn from mining, quarrying and construction. One lease or one project can carry the whole repayment.
Credit risk, commercial vehicles · M&HCV
Updated 6 Oct 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
Segment guideKB-033
How long-haul and regional haulage operators earn, what their costs are, and how to read their usage data.
Credit risk, commercial vehicles · M&HCV
Updated 19 Aug 2025
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
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