1) Requirements — NBFC Setup

A) Teams (HO + Branch + Field)

• Branch Manager (opening/closing + approvals)
• Area/Cluster Manager (multi-branch review)
• Sales Executive / Relationship Officer (lead follow-up + onboarding)
• Relationship Manager (RM) (client servicing + cross-sell)
• Credit/Underwriting (approval + verification)
• Operations Executive (documentation + disbursal support)
• Collection Executive (EMI follow-up + bucket discipline)
• Tele-caller / Customer Support (renewals + reminders)
• Back Office (MIS, reconciliation, file tracking)
• Security Guard (branch entry discipline)
• Housekeeping (office hygiene)
• HR/Accounts (salary + payroll export)

B) Shift Inputs (NBFC Practical)

• Opening Shift (branch ready before customers)
• Regular Shift (business hours)
• Extended Shift (peak days / month-end)
• Field Collection Window (morning/evening visits)
• Month-End Closing (MIS + reconciliation OT)

C) Policies (Control + Proof + Performance)

• Grace time (example: 10 min)
• Late/Early rule (opening roles strict)
• Half-day (example: <50% shift)
• OT slab (30 min rounding)
• OT approval (Branch Manager/Area Manager → HR)
• Branch/desk mapping (counter/desk accountability)
• Collection desk mapping (who handled bucket desk)
• Audit log (edits + approvals record)

D) Device + Network Requirements

• Face Attendance / Biometric (anti-proxy + fast punch)
• LAN/WiFi internet (cloud dashboard)
• UPS backup (power cuts)
• Admin PC/Laptop (reports + payroll export)

2) Use Cases (NBFC Real Scenarios)

1) Branch Opening Discipline

Daily branch readiness: opening shift punch-in proof ready.

2) Sales Desk Coverage (Walk-ins + Leads)

Lead leakage reduce: RM/sales desk roster discipline.

3) Collections Team Readiness (EMI Discipline)

Bucket performance improve: collection team attendance + duty mapping.

4) Month-End MIS/Closing OT Control

Month-end workload me approved OT only payroll me add.

5) Multi-Branch Dashboard (Area Manager)

Area manager ko view: branch-wise present/late/absent + OT summary.

3) Common Problems (NBFC)

1. Late branch opening → customer dissatisfaction
2. Sales desk gaps → missed leads
3. Collections delays → higher overdue
4. Unapproved OT claims → payroll disputes
5. Multi-branch visibility missing → weak control
6. Desk accountability missing → blame game

4) NBFC Workflow Mapping

Opening (Before Customers)

• Security + opening staff punch-in
• Sales/CRM desk readiness confirmation
• Collections desk mapping (bucket allocation optional)

During Business Hours

• Sales + ops + back office presence monitoring
• Break rotation with minimum desk coverage
• Late/Early auto rules for critical desks

Month-End / Closing

• Closing punch-out discipline
• OT auto calculation + approval
• Payroll export + audit-ready logs

5) Software Features (Must-Have)

• Role-based attendance (sales/RM/collections/ops/back office)
• Multi-branch mapping (HO + branches)
• Desk/Counter mapping (sales desk / support desk / collections desk)
• Multi-shift roster (opening/regular/month-end)
• Late/Early rules with grace
• OT approval workflow
• Mobile dashboard (owner/area manager)
• Payroll export Excel/CSV
• Audit log (edits + approvals)

Optional Add-ons

• Daily WhatsApp report (branch-wise late/absent/OT)
• Geo-tag check-in for field teams (optional)
• CCTV integration for branch entry/exit

6) Shift + OT Policy (Recommended)

Item	Recommended	Why it matters
Grace	10 min	Practical tolerance
Opening Late Rule	After grace → strict penalty	Branch discipline
Half Day	< 50% shift	Fair payroll logic
OT Slab	30 min rounding	Standard OT
OT Approval	BM/AM → HR	Disputes reduce
Desk Coverage	Minimum roster rules	Lead/collection protection

7) Recommendations (NBFC Control Tips)

• Opening roster fixed rakho (no delays)
• Sales desk coverage minimum 1–2 mandatory (branch size wise)
• Collections team morning punch discipline strong rakho
• Month-end OT pre-approve karo
• Daily branch report area manager ko auto bhejo

8) Example Setup (Sample NBFC – 1 HO + 5 Branches)

• Branches: 5 (City + Semi-urban)
• Shifts: Opening (9:30–10:00), Regular (10:00–6:30), Month-end (10:00–8:30)
• Grace: 10 min
• OT slab: 30 min
• Approval: Branch Manager → Area Manager → HR
• Payroll: Monthly Excel export + audit

Desk/Role Mapping Example

Role	Shift	Branch	Mapping
Sales Executive	Regular	Branch A	Lead Desk / Walk-in
RM	Regular	Branch A	Client Servicing
Collections Executive	Regular	Branch A	Bucket Desk (0–30)
Operations	Regular	Branch A	Document Desk
Back Office	Month-end	HO	MIS / Reconciliation

9) Reports (Owner + HR Friendly)

• Daily attendance (present/absent/late)
• Branch-wise summary (late list + absentee)
• Role-wise presence (sales/RM/collections/ops)
• OT requested vs approved
• Monthly payroll export (Excel/CSV)
• Area-wise dashboards (for managers)

Payroll Export Columns (Recommended)

• Employee ID / Name
• Branch + Role
• Shift tag
• Present/Absent/WO
• Late count + minutes
• Approved OT hours
• Payable days / remarks

10) Implementation (Modi Group Process)

1. Requirement discussion (branches, roles, shifts, desk mapping)
2. Site visit (device placement + network)
3. Device install (Face/Bio) + testing
4. Policy setup (late/OT approvals)
5. Branch + desk mapping (sales/collections/ops)
6. Training (branch admin + HR + area manager)
7. Test payroll export
8. Go-live + support

11) FAQs

Q1) Multi-branch dashboard supported?
Yes, branch-wise and area-wise dashboards supported.

Q2) Desk mapping possible?
Yes, sales/collections/ops desk mapping supported.

Q3) Month-end OT approval?
Approved OT only payroll me count hota hai.

Q4) Payroll export?
Excel/CSV export ready milta hai.

Q5) Field check-in possible?
Optional add-on: geo-check-in/visit logs can be enabled if required.

12) Contact / Demo – Ahmedabad

Share for exact quote: branches count, staff count (sales/RM/collections/ops), shifts, desk mapping needs, OT policy, payroll format.

📞 9664988206 / 7405851025
📧 modigroupahm@gmail.com

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