Library

5 documents, most recently updated first

1. PolicyKB-001

   EWS signal policy

   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

2. PolicyKB-005

   Rescheduling and restructuring policy

   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

3. PolicyKB-006

   Repossession policy

   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

4. PolicyKB-003

   Credit policy for used commercial vehicles

   Valuation, age limits, inspection and RC checks for used truck and LCV loans.

   Head of Used Vehicle Finance · Used CV

   Updated 15 Mar 2026

5. PolicyKB-007

   Dealer onboarding and monitoring policy

   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