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ParameterChecks CategoryUW SOP
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HunterComplianceCM to assign to RCU team for clearance of Hunter as cleared case can be processed. RCU to clear to for Hunter team for match details.In case Hunter is cleared by Hunter team only then to be processed further.
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UNSCRCompliance Match found-To be done offline basis current physical process of UNSCR check in STUL cases. CM only to approve basis process.
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PEP & SOCompliance Will not be cant decide as per current implementation. Similar to STUL, during Tele/Video PD, if PEP/SO is seen for close proximity, deviation to be taken as per STUL deviation grid i.e. CCO & Head-SME Products & Digital Platforms Approval is required
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Industry & profileCompliance GST Case - Tele PD for profile assesment
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Non GST case - Video PD for profile assesment and also look at documents for business registration, vinatge as address as applicable in the KYC policy
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GST Compliant only if GST registeredCompliance Non Compliant: Understand case to case basis after conducting the Video PD on WorkApps.
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ABFL DedupeCompliance 1. Existing Customer: If the case is less than 6 MOB - Reject , if MOB >6 then further underwriting can be done.. Credit Manager has to take call basis internal documents or SOA, timely payments. Approval for 0 bounces: Credit Manager >0: ACM level
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Other LOB unsecured exposure & CAD approval matrix to be included: Same as STUL approval matrix & group exposure norms
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Login Cutsomer: If Dedupe catches Customer Login in BL/STUL within 3 months, then BRE Reject
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2. New Login Customer: If dedupe match is older than 3 months, CM to check enquiry status and decision accordingly.
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1. If Reject due to Eligibility, any demographic reason, then do noting in CAM and proceed.
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2. If Reject due to CIBIL derog, Poor Repayment, Any Fraud/Hunter/Adverse Online Finding, then Reject.
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Pincode checkCompliance Will not be cant decide as per current implementation
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AgeCompliance Will not be cant decide as per current implementation
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CIBIL ScoreBureauDeviation as matrix for surrogate program. Customer not to be serviced under bureau based eligibility
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STUL ScoreBureauIf STUL score card is cant decide then Customer not to be serviced for bureau based eligibility thus deviations and processing as per parameters for banking based eligibility
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30+ / 60+ DPD count excluding Gold Loan, Kissan credit card, farm loan, Credit card with < 1k overdue, consumer durables loan in last 12 monthsBureauVideo PD on WorkApps to be done to check the reason of Overdue and if the CM is convinced he can proceed further and can ask for any of the following documents to mitigate the CIBIL concern:
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Overdue clearance proof, SOA, NOC, Banking Statement (Showing overdue clearance payment)
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Customer not to be serviced under bureau based eligibility
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Last 12 months Overdue amount for any all Loans/CCBureauVideo PD on WorkApps to be done to check the reason of Overdue and if the CM is convinced he can proceed further and can ask for any of the following documents to mitigate the CIBIL concern:
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Overdue clearance proof, SOA, NOC, Banking Statement (Showing overdue clearance payment)
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Customer not to be serviced under bureau based eligibility
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Count of new loans in last 6 months excluding CC excluding all loans with sanction amt <=25kBureauCM to do the Video PD on WorkApps to understand the reason for recent sourcing of funds.
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Customer not to be serviced for bureau based eligibility thus deviations and processing as per parameters for banking based eligibility
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Debit ScorecardBankingFor D4 score bucket:
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1. Customer’s profile should be rechecked. If customer is not part of high risk profile, as identified in policy document, than Amber-1 tag can be mitigated
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2. Customer’s business setup should be checked.
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For D5 score bucket:
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1. Customer should not be part of high risk profiles document, than Amber-1 tag can be mitigated
2. Business set up should be checked. It should not be Resi cum business set up and customer should be maintaining stock.
3. There should not be any deviation on business credit norm (3L) and Minimum ABB (7.5k)Requirement norm
4. Commission agents will be part of high risk profiles, hence shall be underwritten accordingly.
5. If customer is not having any STOCK, than as per agreed SOP, D5 category cases shall be dropped.
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Clubbing of multiple banking is allowed after NCM Approval.

Maximum two bank accounts can be clubbed.

Bank accounts getting clubbed should have business cvredit and should meet banking hyginee norms.

Repayment to be taken from primary bank account i.e. account from which other obligations are getting serviced and business credit is happening.
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EMI bounces in last 6 months excluding technical bouncesBankingCredit Manager will check manually when case comes in Amber for this parameter and if EMI bounces observed, then case will be deviated/declined accordingly.
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And, if no EMI bounces observed and the Parameter is Amber only due to either “I/W Cheque or O/W Cheque return”, then credit need not raise deviation of ECS bounce, and deviation of only I/W or O/W return will be raised (wherever applicable).
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GST Program - GST Turnover growth in consecutive years (Journey to take bank statement in case of degrowth)GSTWill not be cant decide as per current implementation
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Business Registration Validation & VintageComplianceMin 1 year vintage to be checked if Vintage criteria is Cant decide
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PD norms basis Address TriangulationPD norms
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1. Incase Video PD is not possible-Trigger Agency PD/Credit Manager PD-
2. Stress locations shall be underwritten per current physical STUL process
3. PD refer or negative will follow same deviation level.
4. In case if customer is facing technical issue for video pd, or not available for video pd, business team to be taken in loop while intiating agency or physical pd.

5. WHile credit manager can initiate agency pd basis concern/finding, those concerns need to be pre defined. Credit team to share those concerns.
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OHP waiver for address matchDocument VerficationIf parameter is failed that is OHP is required then CM to check OHP document to check as per approved KYC norms. OHP to be in the name of individual/ spouse/ parents & grand parents given relationship proof is provided. RCU to validate authencity.
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If OHP is not of business/ residence i.e. any 3rd address the pin code needs to be in the list of ABFL Serviceable Pin code. Collect ownership documents of the 3rd address and capture it. FI needs to be triggered at that address and ACM Approval is required.
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Bank Statements FCUDocument Verification1. In the Frauds tab of the BSA output, the categories to be considered as Hard Rejects is “Metadata category” (tampered bank statements)
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2. All other categories will not be Hard Rejects, and those can be verified & reviewed
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a. Please mark these categories to the RCU team for verification. Post their approval, cases can be processed.
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b. Case can be assigned to the RCU team from the platform itself with Notes clearly stating that bank statements need to be verified
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