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We are excited to announce an overhaul of our internal dashboards, designed to enhance efficiency, improve communication and streamline our processes. This release includes numerous new features and improvements that will significantly benefit our teams. Below is a summary of the key features and their benefits
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High Level Summary of Features:

Sales Onboarding Dashboard:

Introducing new buckets for Onboarding dashboard:
Query Raised: Cases where Lender has raised any queries, credit team will capture the same in the smartdash and the case will move to Query raised bucket in onboarding. Onboarding team can respond to these queries by opening this case, looking at the comments section to see all the queries raised; respond to those queries by providing relevant information and uploading docs if required. Then tag credit team in comments stating that the issue has been resolved and then clicking on confirm details so that case moves to completed stage ​Benefit: Streamlines query resolution by allowing onboarding teams to quickly identify and address lender-raised issues. The ability to respond directly within the case, update documentation, and tag relevant teams in comments speeds up the process, helping cases move to completion faster.
Rejected: Cases which are rejected by the KYC or Credit team, it will be visible in onboarding rejected bucket ​Benefit: Provides clear visibility into cases that have been rejected by KYC or Credit teams, enabling the onboarding team to quickly identify why a case was rejected and determine next steps without manual tracking, improving workflow efficiency.
Sanction Expired: Cases where credit in principal approval came in more than 30 days ago but still the subjectivities are pending, they will automatically move to sanction expired bucket so that sales team can provide the latest credit docs for re-evaluation ​Benefit: Automates the identification of cases where credit approvals have lapsed, reducing manual oversight. By moving these cases to a separate bucket, the sales team can easily prioritize them for re-evaluation, ensuring timely action on outdated sanctions.
Merged Residential and Business Property Ownership section: Since either one of the two is required, just select in the type of ownership: Residential/ Business and provide the details of only that ownership instead of 2 separate ownerships ​Benefit: Simplifies the data entry process by consolidating two separate sections into one, reducing redundancy and user confusion. It allows users to focus on only the relevant ownership type, saving time and minimizing errors in the onboarding process.
Improve response time of dashboard by minimizing search requests:
Search button is introduced in the dashboard so that only after the entire id is added and search button is clicked, a single request goes to the server ​Benefit: Enhances efficiency by ensuring that search requests are only sent when the user completes the entire ID entry, reducing unnecessary server load and improving dashboard responsiveness.
Load only relevant bucket to reduce the load time when a user opens a dashboard ​Benefit: Reduces dashboard load time by loading only the relevant buckets that the user needs, optimizing the user experience, especially when dealing with large datasets or multiple cases.

KYC Maker/ Checker Dashboard:

Pick a case feature introduced in KYC Maker and KYC checker dashboard: If a KYC analyst has started working on a case, they can click on pick this case so that if another user is part of the same team is aware that the case was already picked by their colleague and they can work on another case. This will also help any team to reach out to this particular person in case any update is required by referring to summary dashboard (planned for future release) ​Benefit: This feature improves team coordination and eliminates duplication of work by making it clear when a case has already been assigned. Once a KYC analyst selects a case, other team members can avoid working on the same case, optimizing resource allocation. It also ensures accountability, as the assigned analyst becomes the primary point of contact, making it easier for team members to seek updates or resolve issues quickly.
ASM and ZSM visibility: KYC analysts can now see who has onboarded a particular case and who is the manager of that ASM in the General details section ​Benefit: Provides transparency and better context for KYC analysts by showing who onboarded the case (ASM) and the manager responsible (ZSM). This visibility allows for faster escalations, improved communication, and a better understanding of the case's ownership, leading to quicker resolution of issues and more effective collaboration across teams.
Improve response time of dashboard by minimizing search requests:
Search button is introduced in the dashboard so that only after the entire id is added and search button is clicked, a single request goes to the server ​Benefit: Enhances efficiency by ensuring that search requests are only sent when the user completes the entire ID entry, reducing unnecessary server load and improving dashboard responsiveness.
Load only relevant bucket to reduce the load time when a user opens a dashboard ​Benefit: Reduces dashboard load time by loading only the relevant buckets that the user needs, optimizing the user experience, especially when dealing with large datasets or multiple cases.

Credit Dashboard:

Introducing new buckets for Credit dashboard:
GST/ Banking Check: A new bucket is introduced in the Credit Dashboard so that cases once completed by onboarding lands in Credit GST/ Banking Check bucket for parallel processing ​Benefit: Allows the credit team to begin parallel processing of cases as soon as onboarding is complete. This reduces delays by enabling tasks like GST and banking checks to be conducted simultaneously, speeding up credit evaluation.
Query Raised: Cases where Lender has raised any queries, credit team will capture the same in the smartdash and the case will move to Query raised bucket in onboarding. Onboarding team can respond to these queries by opening this case, looking at the comments section to see all the queries raised; respond to those queries by providing relevant information and uploading docs if required. Then tag credit team in comments stating that the issue has been resolved. Post which credit team will respond back to the lender with the new details. And after an approval comes from the lender, credit team will capture the same in the system by approving the application. ​Benefit: Enhances collaboration between teams by streamlining the process of handling lender queries. The onboarding team can quickly respond to credit-related queries, reducing back-and-forth and ensuring quicker resolution, ultimately accelerating the approval process.
In Principal Sanction: Cases where lender provides approval based on certain subjectivities to be cleared ​Benefit: Helps the credit team track cases where lenders have provided conditional approvals (in-principal sanctions), ensuring that all necessary subjectivities are cleared efficiently before final approval, reducing risks of miscommunication or delays.
Sanction Expired: Cases where credit in principal approval came in more than 30 days ago but still the subjectivities are pending, they will automatically move to sanction expired bucket so that sales team can provide the latest credit docs for re-evaluation ​Benefit: Automatically flags cases where the approval is over 30 days old, ensuring timely follow-ups for re-evaluation. This prevents cases from stalling and helps the sales team stay proactive in providing updated documentation.
Rejected: Cases which are rejected by the Credit team, it will be visible in rejected bucket ​Benefit: Consolidates rejected cases for easy access and visibility, allowing the credit team to quickly refer back to cases that did not meet approval standards, facilitating better tracking and future analysis.
Not Interested: If after credit approval a customer becomes not interested, operations team will reject the case in ops dashboard and it will move to Not interested bucket in credit dashboard ​Benefit: Ensures that when a customer expresses disinterest after credit approval, the case is clearly labeled and visible. This eliminates confusion and ensures the team doesn't waste time pursuing inactive applications.
Display date of Credit Evaluation completed for easy referral: Once a credit check(GST karza report and Perfios Banking statement analysis) is completed, credit team captures the details of the same under credit evaluation tab and clicks on save button ​Benefit: Provides a clear timestamp for when credit evaluations (GST report and banking statement analysis) were completed, making it easier for the credit team to refer to this information and maintain transparency with other teams and lenders.
Highlight an application if it’s Banking or GST report needs a re-evaluation basis the expiry logic. Banking Statement Expiry logic → If current month is greater than the month when the Evaluation was done the banking statement is expired. Display Banking statement: Re-evaluation required in general info → Customer profile ​Karza GST Expiry Logic: If the current date is greater than 20 and the credit evaluation date is between {21st of the last month and 20th of the current month} then it gets expired and re-evaluation is required. Display GST Karza: Re-evaluation required in general info → Customer profile ​Benefit: Automatically flags cases requiring re-evaluation based on predefined expiry logic for banking and GST reports. This helps ensure that the credit team always has the most up-to-date financial data before proceeding, reducing the risk of working with outdated information.
Capture various rejection reasons:
Policy parameters not met
CIBIL Derogs
Politically Exposed Person (PEP)
Customer not interested ​Benefit: Enables detailed tracking of why applications are rejected, whether due to policy non-compliance, credit score issues, or other factors. This improves transparency, facilitates reporting, and helps the team identify trends in rejection reasons for future decision-making.
If an in-principal sanction is received for an application, credit team can capture the same by clicking on approve and selecting the subjectivities which are pending from this list: RCU, FI of Residence, FI of Business Premise, Agency PD, VKYC, Dealer Code, NOC, Others: with input field ​Benefit: Streamlines the process of tracking pending requirements for conditionally approved cases, making it easy to capture and follow up on subjectivities like FI checks or NOCs. This ensures all necessary steps are tracked and completed efficiently before final approval.
Credit Limit Re-sync: Re-sync Limit button to sync the current limit in case there is any discrepancy due to manual entries in LMS ​Benefit: Provides a quick and easy way to resolve discrepancies between manual entries and the Loan Management System (LMS) by syncing the correct credit limit. This ensures data accuracy and helps avoid potential errors in the system.
Improve response time of dashboard by minimizing search requests:
Search button is introduced in the dashboard so that only after the entire id is added and search button is clicked, a single request goes to the server ​Benefit: Enhances efficiency by ensuring that search requests are only sent when the user completes the entire ID entry, reducing unnecessary server load and improving dashboard responsiveness.
Load only relevant bucket to reduce the load time when a user opens a dashboard ​Benefit: Reduces dashboard load time by loading only the relevant buckets that the user needs, optimizing the user experience, especially when dealing with large datasets or multiple cases.

Operations Dashboard:

E way bill auto validation: User now has a button to verify the e-way bill number by simply clicking on verify next to the e-way bill number which is added while creating an invoice. This removes manual effort, increase efficiency and minimizes chances of human error ​Benefit: This feature streamlines the invoice creation process by allowing users to quickly verify the e-way bill number with a single click. Automating this validation reduces manual effort, enhances efficiency, and minimizes the risk of human errors, leading to more accurate and compliant transactions. It also saves time that can be redirected to more strategic tasks.
Pick a case feature introduced in OPS dashboard: If a user has started working on a case, they can click on pick this case so that if another user is part of the same team is aware that the case was already picked by their colleague and they can work on another case. This will also help any team to reach out to this particular person in case any update is required by referring to summary dashboard (planned for future release) ​Benefit: By enabling users to "pick" a case, this feature fosters better communication and collaboration within the team. It helps prevent duplicate work by clearly indicating which cases are already in progress. Additionally, it facilitates easier communication, allowing team members to reference specific cases when seeking updates or clarifications, ultimately improving workflow efficiency and accountability.
Pending Subjectivities visible to operations: The operations team can easily view pending subjectivities in the comments section, helping them assess whether they should proceed with their PSD (Processing Fee, Documentation) check activities or hold off until all conditions are cleared. By having all relevant information in one place, the operations team no longer needs to rely on back-and-forth communication with the credit team to understand the status of subjectivities, improving internal collaboration and clarity. If the operations team identifies subjectivities that may take longer to resolve, they can plan accordingly, either by initiating preliminary checks or flagging the issue early on to the Credit/ Sales team for faster resolution. ​Benefit: Providing visibility of pending subjectivities directly within the operations dashboard enhances the team's ability to make informed decisions. The operations team can assess the status of necessary conditions without relying on constant communication with the credit team, improving collaboration and clarity. By identifying potential delays early, they can initiate preliminary checks or raise flags with the credit/sales teams for quicker resolution, thereby optimizing the overall processing time.
Improve response time of dashboard by minimizing search requests:
Search button is introduced in the dashboard so that only after the entire id is added and search button is clicked, a single request goes to the server ​Benefit: Enhances efficiency by ensuring that search requests are only sent when the user completes the entire ID entry, reducing unnecessary server load and improving dashboard responsiveness.
Load only relevant bucket to reduce the load time when a user opens a dashboard ​Benefit: Reduces dashboard load time by loading only the relevant buckets that the user needs, optimizing the user experience, especially when dealing with large datasets or multiple cases.

Call Centre Dashboard:

New and Improved SOA:
Bifurcation of Principal, Interest, and Penalty Amounts ​Benefit: Simplifies financial transparency for customers by clearly breaking down their repayments, allowing them to easily understand how much of their payment goes towards the principal, interest, and penalties. This leads to better clarity in managing their finances.
Invoice-Level Bifurcation of Interest Accruals Benefit: Offers detailed insight into how interest is calculated on each invoice, helping customers track interest charges at a granular level. This makes it easier for them to verify and manage individual invoice payments.
Summary of Interest Accrual Added at the End of the Statement ​Benefit: Provides a comprehensive view of total interest accrued to date, allowing customers to easily track their cumulative interest charges in one place, simplifying their financial overview.
Interest Accrual Summary Added Before Any Repayment ​Benefit: Enables customers to see the exact interest amount accrued just before a repayment, and how much of that repayment adjusted the interest. This helps them understand the impact of their payments on outstanding interest, improving payment tracking and decision-making.
Remaining Interest Accrual Summary at the End of the Month ​Benefit: Simplifies the presentation of interest accrual by summarizing it on a monthly basis rather than daily, making it easier for customers to track remaining interest, improving the clarity and usability of their statement.
Credit Limit Re-sync: Re-sync Limit button to sync the current limit in case there is any discrepancy due to manual entries in LMS ​Benefit: The "Re-sync Limit" button allows users to quickly update and align the credit limit with the current data, addressing discrepancies that may arise from manual entries in the Loan Management System (LMS). This feature enhances data accuracy and integrity, ensuring that analysts and decision-makers always have access to the most up-to-date information. By minimizing the chances of errors and confusion regarding credit limits, it streamlines the approval process and helps maintain better relationships with clients.

Sales Admin Dashboard for RBAC:

RBAC Hierarchy management: Sales Admin user will have the rights to this dashboard where they can assign manager to each and every sales user which will be captured during onboarding and displayed across all dashboards so that analysts know whose case is it ​Benefit: The RBAC (Role-Based Access Control) Hierarchy Management feature empowers Sales Admin users to effectively manage the assignment of managers to each sales user during onboarding. This structured hierarchy is displayed across all dashboards, allowing analysts to easily identify case ownership and responsibilities. By establishing clear accountability and enhancing visibility into team structures, this feature facilitates better collaboration and communication within the sales team. It also supports more efficient tracking of case progress and performance evaluation, ensuring that the right individuals are responsible for their respective tasks.
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