Our client is one of India’s largest and most established Business Correspondent (BC) networks, operating across 17 states with 700+ active branches and serving over 1 million borrowers . They support SHG and JLG lending, credit-linked insurance, and doorstep collections for leading Banks and NBFCs. With rising disbursements and a rapidly expanding portfolio, they needed a strong intelligence layer that offered leadership real-time visibility, operational control, and deeper portfolio insights.
SmartinfoLogiks had earlier implemented their end-to-end Loan Collection Platform , digitizing collections and streamlining field coordination. Building on this foundation, we introduced Analytics101, transforming their ecosystem with real-time fintech analytics, microfinance performance dashboards, and multi-level portfolio visibility across HO, state, area, and branch teams.
Our client, equipped with extensive financial data, sought a monitoring system that could operate across various hierarchical levels and facilitate the audit of their employees. The challenges included managing diverse data sources, ensuring accurate monitoring at multiple organizational levels, and addressing the intricacies of employee auditing. Thus, an Analytics system capable of meeting specific requirements and addressing the unique complexities associated with the Fintech Industry was needed.
Decision-makers relied on delayed Excel-based MIS, causing late detection of portfolio risks.
Overdue behavior was not visible in real time, making follow-ups reactive instead of preventive.
FO activities, branch demand realization, and login/logistics data were hard to track centrally.
HO teams spent hours consolidating data from multiple sources, leading to inconsistencies and reporting gaps.
HO → State → Area → Branch managers had different expectations but the same limited view.
Branch-wise disbursement and customer growth data wasn't not available in one unified view.
A unified Microfinance Portfolio Dashboard delivering instant insights into live customers, total portfolio, and daily/monthly demand.
Real-time visibility instead of end-of-day consolidation
Supports end-to-end Loan Collection Analytics
HO can track 100% of branches instantly
Displays portfolio trends, customer growth, and live metrics
Ideal for CXOs & risk teams monitoring the complete loan book
Instant PAR in Value, overdue customer count, and early-default indicators that accelerate decision-making.
Reduces PAR detection delays from days to real-time
Early Default & Critical Bucket signals help prevent slippages
Automated alerts support proactive risk management
Accurate overdue segmentation: amounts + customers
Improves portfolio health monitoring across all regions
A powerful drill-down engine that lets teams move from high-level KPIs to detailed records instantly for deeper context and better decision accuracy.
Seamless transition from summary metrics to transaction-level details
Identifies trends, anomalies, and irregularities with precision
Helps branch managers and HO teams validate data quickly
Enables faster investigation of overdue cases and risk signals
Strengthens audit readiness through transparent, detailed insights
Advanced bucket classification dashboards to track delinquency patterns.
Comprehensive overdue bucket visibility
Fast identification of problematic pockets
Supports regional collection strategy planning
Trend analysis of customer movement between buckets
Helps branch managers prioritize follow-ups effectively
Role-specific dashboards tailored for CXOs, State Heads, Area Managers, Branch Managers, and Field Officers.
State/Region/Branch-wise performance drill-downs
Track daily demand realization at every level
Cross-branch comparison to highlight gaps
Single source of truth for all hierarchical views
Improves alignment between HO and on-ground teams
Audit-ready controls for login tracking, FO movement, user activity logs, and branch-level performance monitoring.
Monitors login times, geo-tags, and activity actions
Enables precise Field Officer Activity Monitoring
Improves FO accountability and productivity
Enhances branch manager oversight
Strengthens operational transparency across teams
A flexible customizable MIS builder that enables HO teams to generate their own reports without technical assistance.
Create custom KPIs, filters, and report formats
Reduces manual report preparation time by 60–70%
Ensures consistent, standardized MIS across locations
Export-ready views for board presentations
Adapts to evolving regulatory and operational needs
Dashboards covering monthly disbursement patterns, repeat-cycle loans, group performance, and customer portfolio trends.
Track disbursements across branches and cycles
Analyze customer behavior (new vs repeat cycle)
Identify growth regions and high-performing groups
Supports forecasting and planning
Connects operational trends with strategic decisions
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