1) Requirements — Loan Processing Company Setup

A) Teams (Inbound + Field + Back Office)

• Team Leader / Process Manager (TAT + quality control)
• Telecalling / Lead Desk (inbound/outbound follow-up)
• Loan Officer (document collection + file creation)
• KYC Executive (KYC capture + checklist completion)
• Verification Team (residence/office verification)
• Credit/Underwriting (risk checks + approvals)
• Operations Executive (login + documentation + coordination)
• Disbursal Desk (final checks + payout coordination)
• Back Office / MIS (reports + reconciliation)
• Customer Support (status updates + escalations)
• Security Guard (office entry discipline)
• HR/Accounts (salary + payroll export)

B) Shift Inputs (Loan Ops Practical)

• Calling Shift (lead follow-up window)
• Field Verification Window (morning/evening visits)
• Credit Desk Shift (approval timelines)
• Disbursal/Closing Shift (end-day completion)
• Month-End/Target Peak (extended hours)

C) Policies (TAT + Proof + Control)

• Grace time (example: 10 min)
• Late/Early rules (calling + credit desk strict)
• Half-day (example: <50% shift)
• OT slab (30 min rounding)
• OT approval (TL/Manager → HR)
• Branch/desk mapping (calling/credit/disbursal desk accountability)
• Audit log (edits + approvals record)
• TAT checkpoints (login → KYC → verification → credit → disbursal)

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 (Loan Processing Real Scenarios)

1) Lead Desk Coverage (No Missed Calls)

Peak hours me calling team presence perfect rahe.

2) KYC + Document Collection Discipline

Checklist complete: KYC desk roster + accountability.

3) Verification Visit Readiness

Visit delays reduce: verification window attendance + optional geo-check-in.

4) Credit Approval TAT

Credit backlog control: credit desk shift coverage + late alerts.

5) Disbursal Day OT Control

Late closing me approved OT only payroll me add.

3) Common Problems (Loan Processing)

1. Calling desk gaps → lead leakage
2. KYC checklist incomplete → login rejection
3. Verification delays → customer dissatisfaction
4. Credit backlog → TAT miss, targets impact
5. Unapproved OT → payroll disputes
6. Audit trail weak → compliance risk

4) Loan Processing Workflow Mapping

Start of Day (Calling + Allocation)

• Team punch-in + desk mapping
• Lead allocation + priority buckets (optional)
• Field visit plan confirmation

During Operations

• Calling coverage + break rotation with minimum seats
• KYC desk: document quality check
• Credit: approvals + escalation routing

End of Day (Disbursal + Closing)

• Disbursal desk readiness
• OT auto calculation + approval
• Payroll export + audit-ready logs

5) Software Features (Must-Have)

• Role-based attendance (calling/KYC/verification/credit/ops/disbursal)
• Multi-branch mapping (HO + branches)
• Desk/Counter mapping (calling desk / credit desk / disbursal desk)
• Multi-shift roster (calling/credit/disbursal)
• Late/Early rules with grace
• OT approval workflow
• Audit log (edits + approvals)
• TAT control dashboards (team-wise/branch-wise)
• Payroll export Excel/CSV

Optional Add-ons

• Geo-tag check-in for verification staff (optional)
• Daily WhatsApp report (late/absent/OT + desk-wise)
• CCTV integration for office counters + entry/exit

6) Shift + OT Policy (Recommended)

Item	Recommended	Why it matters
Grace	10 min	Practical tolerance
Calling Late Rule	After grace → strict	Lead coverage
Half Day	< 50% shift	Fair payroll
OT Slab	30 min rounding	Standard OT
OT Approval	TL/Manager → HR	Disputes reduce
TAT Checkpoints	Daily dashboard	Targets protection

7) Recommendations (TAT + Control Tips)

• Calling seats minimum roster fix rakho (peak hours)
• KYC checklist scan + verify same day rule rakho
• Verification window daily plan with accountability
• Credit desk backlog dashboard se daily track karo
• Disbursal OT pre-approve karo (month-end)

8) Example Setup (Sample Loan Hub – 1 HO + 3 Branches)

• Branches: 3
• Shifts: Calling (9:30–6:30), Credit (10:00–7:30), Disbursal (11:00–8:30)
• Grace: 10 min
• OT slab: 30 min
• Approval: TL → Manager → HR
• Payroll: Monthly Excel export + audit

Desk/Role Mapping Example

Role	Shift	Branch	Mapping
Telecaller	Calling	Branch A	Calling Desk 1
KYC Exec	Calling	Branch A	KYC Counter
Credit Analyst	Credit	HO	Credit Desk
Ops Executive	Credit	Branch A	Login Desk
Disbursal	Disbursal	HO	Payout Desk

9) Reports (Owner + HR Friendly)

• Daily attendance (present/absent/late)
• Branch-wise summary (late list + absentee)
• Role-wise presence (calling/KYC/verification/credit/ops)
• OT requested vs approved
• TAT dashboard (login pending / verification pending / credit pending / disbursal pending)
• Monthly payroll export (Excel/CSV)

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, TAT needs)
2. Site visit (device placement + network)
3. Device install (Face/Bio) + testing
4. Policy setup (late/OT approvals + rules)
5. Branch + desk mapping (calling/credit/disbursal)
6. Training (admin + HR + managers)
7. Test payroll export
8. Go-live + support

11) FAQs

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

Q2) KYC/credit/ops role mapping possible?
Yes, full workflow roles supported.

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

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

Q5) Verification team geo check-in?
Optional add-on: geo-check-in can be enabled if required.

12) Contact / Demo – Ahmedabad

Share for exact quote: branches count, staff count (calling/KYC/verification/credit/ops), shifts, desk mapping needs, OT policy, payroll format, TAT checkpoints.

📞 9664988206 / 7405851025
📧 modigroupahm@gmail.com

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