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Back to teamchevron_rightJaved Ansari
Audit Flagged
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Customer journey
Call 1 score0%Fatal
Before penalties11%a fatal breach sets the score to 0
Fatal breaches2manager review needed
QA misses15checks missed or half done
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Call Summary

  1. 1
    21 Sep, 12:07MB-20% · Fatal

    Fatal: dues discussed in full with a reference, without ever confirming he was speaking to the borrower

    Every compliance guardrail on this desk exists to stop exactly this call. The person who answered said he was the borrower’s brother in his second word, and the officer proceeded to disclose the loan, both instalment amounts, the Rs 10,960 total, the sixty-eight days late and the write-off date, then asked the brother to pay it, told him the default would affect "the whole family’s record", warned him that "the legal department takes over and you know what that means", and closed by saying he would keep calling this number. The brother refused three separate times. No right-party verification was attempted, no recording disclosure was given, and no promise was taken from anyone who could lawfully give one. The account, meanwhile, is no closer to resolution than it was three weeks ago.

    “Overdue disclosed to a third party: two EMIs Rs 4,890 × 2 = Rs 9,780 plus charges, total Rs 10,960 · 68 days late · written off as defaulted on 24 October · no authorisation on file for the reference to receive account information · no right-party verification attempted”

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Borrower Overview · all calls

Javed Ansari

thermostatNo contact with borrower
Calls in journey1
Journey stateFatal: dues discussed in full with a reference, without ever confirming he was speaking to the borrower
Objections open2
Topics done3/24
Open gaps
warningBorrower Javed Ansari still not contacted — 68 days late, written off as defaulted on 24 October
warningDo-not-contact request from the reference must be flagged on the account today
warningRegistered-address written communication appears not to have been issued — verify before any further trace activity
Coaching focus: third party refusal
Stage scores

How each stage of the call scored

1. Reached the Right Person0% (Fatal Fail)
2. Disclosure & Opening63% (Acceptable)
3. What Is Owed & How Late0% (Fatal Fail)
4. Reason, Hardship & Intent0% (Fatal Fail)
5. Resolution Plan0% (Fatal Fail)
6. Promise to Pay0% (Fatal Fail)
7. Default & Credit Record0% (Fatal Fail)
8. Closing & Next Step0% (Fatal Fail)
9. Fair Conduct25% (Fatal Fail)
emergencyPenalty applied

The stage scores above show how the officer did on each part of the call. A fatal breach is zero-tolerance, so it sets the whole call score to 0, whatever the stage scores were: Call 1 scored 11% on its stages → 0% (2 fatals).