Early Reminders
Collections officers who call before the EMI is taken from the account, and in the first thirty days after a payment is missed — advance reminders to borrowers whose payments have bounced before, calls on the day a payment fails, and early follow-ups from the bank’s registered collections line.
Customer journey
Officer Roster
Ranked by score — Ramesh Subramanian’s team
All Calls
Lowest scoring first
EB-2 · Both presentations failed, and the charge explanation from call one was reversed
Anjali Deshpande · Sunil Waghmare · Fatal: penal charge described as compounding daily interest (call 2 of 2)
EB-1 · Three days before presentation, and the EMI date no longer matches the salary date
Anjali Deshpande · Sunil Waghmare · Clean: reminder call found the payroll-date mismatch, promise to pay captured (call 1 of 2)