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Intelligence
Policies, playbooks, segment guides, regulatory notes and lessons from past cases.
7 documents, most recently updated first
LessonKB-031
In a deficit year, most delinquent tractor loans cure after the rabi harvest. Rescheduling recovered far more than early repossession.
Head of Rural Lending · Tractors
Updated 1 Oct 2026
Cited by 286 cases · 1 decision
LessonKB-027
A fall in toll crossings is not always a parked vehicle. When GPS running hours hold or rise, the vehicle has moved to routes without tolls. How to check before calling it a risk.
Credit risk analytics · SCV, LCV
Updated 30 Sep 2026
Cited by 424 cases
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
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
LessonKB-028
Disbursements jump in October and November. Files logged in the rush default early more often. What we changed.
Credit risk, retail vehicles · 2W, 3W, Cars
Updated 18 Dec 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
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