Share
Explore
Post Sanction Checks, Commercials, Subjectivities Phase 1
Where PSD is No, then the case will directly move to Operations R2D tab instead of PSD
Number of cheques required: Input field
At a lender level there will be list of PSD Documents to be collected basis type of business:
Auto addx below checks in Sales PSD Call centre and OPS PSD Maker
Lender Specific (ABFL and Mintwalk)
Proprietorship
Partnership
Company
UDC Cover letter
UDC Cover letter
UDC Cover letter
3 Physical Mandate
3 Physical Mandate
3 Physical Mandate
POD
POD
POD
Partnership Authority Letter on Letterhead
Board Resolution on letterhead
UBO Declaration
UBO Declaration
MOA & AOA Undertaking on Letterhead
There are no rows in this table
Lender Specific (Ugrow)
Proprietorship
Partnership
Company
UDC Letter (On company letter head)
UDC Letter (On company letter head)
UDC Letter (On company letter head)
Signed & Stamp GST certificates
Signed & Stamp GST certificates
Signed & Stamp GST certificates
Individual Signed KYC (All Applicants)
Individual Signed KYC (All Applicants)
Individual Signed KYC (All Applicants)
Signed & Stamp Udhyam Required
Signed & Stamp Udhyam Required
Signed & Stamp Udhyam Required
Signed & Stamp Company KYC Required
Signed & Stamp Company KYC Required
Signed & Stamp Company KYC Required
DPN with 1rs Revenue stamp (x3 Revenue Stamp with each cross sign on it on a Single Page only)
DPN with 1rs Revenue stamp (x3 Revenue Stamp with each cross sign on it on a Single Page only)
DPN with 1rs Revenue stamp (x3 Revenue Stamp with each cross sign on it on a Single Page only)
Permanent Address Proof Required of owned property (Electricity Bill Preferred)
Permanent Address Proof Required of owned property (Electricity Bill Preferred)
Permanent Address Proof Required of owned property (Electricity Bill Preferred)
Signed & Stamp PAL (On company letter head)
Signed & Stamp PAL (On company letter head)
Signed & Stamp PAL (On company letter head)
There are no rows in this table
Apart from above items below items will be added based on the logic defined below:
Certain items to be added by system based on below logic
Item
Logic
Platform fee declaration
In case platform fee value collected in commercials section is greater than 0
Security Amount Declaration
In case security amount value collected in commercials section is greater than 0
Dual Name Declaration
Dual name declaration will be added by system if there is a mismatch in names of pan, aadhaar and gst legal name
There are no rows in this table
There are few more items which are available for OPS maker to add:
Once PSD Maker adds that to the list, it will be visible to sales in the call centre smartdash
Apart from the above checklist items there will be 2 different items which will be visible only in the Operations PSD Maker’s checks tab:
Only OPS maker will be responsible to upload proofs here
Credit dashboard
Customer profile in Credit Dashboard
When a case details are shared with the lender, the case is placed in the “Pending with Lender” bucket within Smartdash. Once the lender gives the In-principle Sanction to proceed by sharing the post-sanction condition list, the credit team reviews the case in the “Pending with Lender” bucket.
The team reviews the post-sanction conditions and clicks on the “Approved” button to enter details such as Approve Limit, Loan Tenor, and upload Email Proof. Based on the lender, all relevant subjectivities will be pre-selected, but the credit team can unselect them if needed. Additional subjectivities can also be added by selecting the “Other” box. Once all details are finalized, they click on the “Submit” button to move the case to the “In-principal Sanction” bucket.
Credit Analyst Workflow:
Subjectivities
Once the case moves to “In-principal sanction” bucket, the credit team will keep updating the status of subjectivities of a case by going on to the “Subjectivities” section and using the drop down menu updating the status to either “Completed” or “Deviation”.
All subjectivity items will initially have a “Pending” status. The Credit Team can update the status of each item and add comments if needed. Adding comments is optional and they remain editable.
Additionally, the Credit Team can add new subjectivities by selecting the “Other” button then enter Item name and add comment if needed and then click on the Save button.
Subjectivities Section:
List of subjectivities:
Call center Dashboard
PSD Document Checklist Section
Display a table listing all PSD document checklists in the call center where the sales team can upload or view proofs or add Deviation for each item.
The table should show the status (e.g., Pending, Completed, Rejected, Deviation) and particulars of the condition for each checklist item.
Include a 3-dot menu button for each checklist item, offering the following options based on its status:
Provide an "Add" button to allow users to add additional PSD document checklist items as needed. After clicking on the “Add” button the sales team can select any checklist item from the drop-down. If the team select “Other” from the dropdown then they can write a check list item in the text box and click on the save button.
Incase if there is an item that was rejected before by the OPS team then sales team can click on the tool-tip (i) on rejected status and see the comment. If the items are rejected then re-upload option available to upload the new document. Once the document is uploaded then the old document should get removed.
List of PSD Document
Subjectivities Section
Any status changes made by the credit team for a subjectivity must be reflected in the sales team’s subjectivities section. The sales team need to co-ordinate with the customer in order to complete the subjectivities.
Commercials Section
In the Commercials section, the following details will be displayed for each commercial item: Item Name, Amount/Percentage, Status and Action Details.
The sales team can input the amount or percentage for each item in the Amount/Percentage column's text box and click the Save button. Before inputting any amount the status will show Pending
Until all item amounts are entered, both the Upload Approval Proof and Send for Approval buttons will remain disabled.
Once the sales team has entered the amount/percentage for all items, the Send for Approval button becomes visible. “”Check if sapna maam require all the commericals details in one email in a table?””
Email format
From:
To:
Subject: Approval Request for Commercials Discussed with Customer
Dear Sales head,
Please find below the details of the amount/percentage discussed and negotiated with the customer:
Table 1
Commercials
Amount/Percentage
Interest Rate
1.5%
Processing Fee
1.5%
Security Deposit
10,000
Stamp Duty
10,000
Insurance
10,000
Platform Fee
10,000
There are no rows in this table
This is the finalized breakdown as per our discussion. Kindly review the table and provide your approval to proceed further.
Looking forward to your confirmation.
Best regards,
[Your Name]
Clicking Send for Approval triggers an email to the sales head for approval and Upload Approval Proof button will become visible.
After receiving approval from the sales head, the sales team must upload proof of the email using the Upload Approval Proof button. View and Download option will be there for uploaded proof. Also Re-upload approval Proof button will still remain visible and Send for Approval will get hidden.
After uploading proof, the sales team can proceed to collect the amount.
In the Action column, the sales team must upload proof of payment for the collected amount by clicking on Payment Proof a pop-up will shown and the sales team will upload the image/pdf.
Once proof of payment is submitted, the Status column will display "Completed."
If the sales team edits any value in the Amount/Percentage column, the Send for Approval button will reappear, and any previously uploaded proof in the Upload Approval Proof section will be removed.
To add other commercials, the sales team clicks on Add button and a new section will be added with a input text box. Once the value is added into the text box and clicked on the Save button the commercial will be then added in the table. If the sales want to add more commercials they can click again on Add and do the same.
If an Item is rejected by the Ops team, then the status of the item will appear Rejected with a tool tip and re-upload of the payment proof will be visible.
A tool tip will be visible on which the sales team can click and check the comment shared by the Ops team. The sales team can’t add their comment but only view the comment which was shared by the Ops dashboard.
Note:
List of Commercials:
Cheque management Section:
Automatically fetch the required number of cheques based on the lender's specifications.
To add Cheque, sales team can click on Add Cheque and a pop-up will be visible where the sales team can add the Cheque number and upload the Cheque image. After upload the image, the status will change to Completed.
PSD - Operation Dashboard
When a case in the Credit Dashboard moves to the "In-Principal Sanction" bucket, it will simultaneously be added to the Ops "Pending with Sales" bucket and the Sales "PSD" bucket.
Once the Sales team completes the "Commercials" details and uploads the email proof, the case will transition from the Ops "Pending with Sales" bucket to the Ops "PSD" bucket.
In the "PSD" bucket, the Maker will have visibility of the following statuses in the customer list:
The customer list will be displayed in a table format, as shown below:
Cust id
App id
Trade name
Subjectivities Status
Commercials Status
PSD Check List Status
Cheques Status
12345
54321
Sharma Trader
Completed
Completed
Pending
Pending
There are no rows in this table
Once the maker click on a case from the customer list then a new page will pop open and all the details of a customer will be visible.
Customer details → Checks
Customer profile in Ops dashboard
Commercials Section
PSD Document Checklist Section
Want to print your doc?
This is not the way.
This is not the way.
Try clicking the ⋯ next to your doc name or using a keyboard shortcut (
CtrlP
) instead.