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Core Analysis Questions (Why is PAR up (2)? (Collections) (Fresh Flow (Do…
Core Analysis
Questions
Why are Sales down? (Sales)
Exogenous Factors?
Weak Economy? soham
Struggling Sector? Ranak
Competition
Product
Price
Presence of Competitors - We have some analysis (soham)
Internal Factors?
Productivity per sales officer is Down? (raunak)
Not enough manpower? (raunak)
Non FOS contributions are low?
Has our policy become more strict?
Rejection Rates Over time (raunak)
Why is PAR up (1)? (Risk)
Are particular sectors hurting us? (rohan)
Are there particular static pools that are weak? (soham)
Are we able to separate good and bad customers? (Rohan, par analysis)
Banked?
Credit?
Unsecured?
New Factors
Break down the CIBIL sublines...
Bank Statement
Balance Sheet
General Economy
operational quality?
Why is PAR up (2)? (Collections)
Fresh Flow
Do we have enough sales officers?
Productivity of Sales Officer
1 to 60 DPD
Productivity of Collections Officers
Do we have enough Collections Officers?
60+ DPD
Are Recovery Officers Productive?
Do we have enough Recovery Officers?
characteristics of customers that pay back quickly...