Loan Sales QA
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Back to teamchevron_rightRakesh Deshmukh
Audit Flagged
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Customer journey
Call 1 score0%Fatal
Before penalties52%a fatal breach sets the score to 0
Fatal breaches2manager review needed
QA misses10checks missed or half done
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Call Summary

  1. 1
    5 Sep, 16:30BR-30% · Fatal

    Fatal: foreclosure rule misstated to win a balance transfer, cover pushed as a condition

    A balance-transfer campaign call built on a rule that was removed in 2019. The RM told the customer his existing bank would charge 2% to foreclose a floating-rate home loan in his own name and quantified it at Rs 63,000 — the correct figure is nil. When the customer said a friend had told him there was no charge, she overrode him and told him his own bank would confirm her version. She then presented a Rs 1,12,000 loan protection cover as the condition for the 8.85% rate, with a 25 bps penalty for refusing, and when the customer said he already had a 50-lakh term plan she told him it was a different thing. The call closed with a 30 September deadline pushed at a customer who had just said he needed to think.

    “Existing loan Rs 31,40,000 at 9.35% floating with another bank · Ravvio offer 8.85% floating · officer states the existing bank will charge "2% foreclosure, about 63,000" on a floating-rate individual home loan · loan protection cover Rs 1,12,000 presented as required for the rate”

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Lead Overview · all calls

Rakesh Deshmukh

thermostatWarm
Calls in journey1
Journey stateFatal: foreclosure rule misstated to win a balance transfer, cover pushed as a condition
Objections open3
Topics done8/22
Open gaps
warningCustomer to be called back and told the correct foreclosure position (nil)
warningRate-linked insurance framing to be withdrawn
warningCall-back due 17 September, 6 PM
Coaching focus: foreclosure charge doubt
Stage scores

How each stage of the call scored

1. Customer Identification100% (Pass)
2. Opening & Consent100% (Pass)
3. Need & Suitability50% (Breach)
4. Rate & Tenure69% (Acceptable)
5. Fees & Collateral Costs30% (Fatal Fail)
6. Insurance & Add-ons0% (Fatal Fail)
7. KFS & Collateral ProcessN/A
8. Decision & Next Step75% (Acceptable)
9. Fair Conduct13% (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 52% on its stages → 0% (2 fatals).