SUCCESS STORYEMI Bounce Rate Dropped from 12% to 8% — Early Risk Signals That Saved a Rapidly Expanding NBFC
Bounce Rate Reduction
-33%
12% → 8% in first 60 days
Approval Quality Lift
+95%
more data-rich files in the portfolio
Fraud Flags Raised
+88%
detection of overstated income cases with explanations
Branch Roll-Out Speed
30
new branches live with on-ground credit officers
About the Client
Industry:Early-stage NBFC
Product Focus:Loan Against Property
Branch Network:20 branches across 8 states
Loan Book:₹1,250 Crores
Expansion Strategy:Aggressive growth in Tier-3 locations
Implementation Timeline:30 new branches in 60 days
The Challenges They Faced
High EMI Bounce Rate (12%)
New branches reported frequent first-cycle bounces.
Talent Shortage
Difficulty hiring experienced credit officers in Tier-3 locations.
Limited Risk Visibility
HQ lacked real-time insight into borrower quality.
Aggressive Expansion Pressure
Need to keep NPA risk low while opening new outlets quickly.
AbleCredit Solution Stack
Risk Quality TransformationPortfolio Risk Improvements
BOUNCE RATE DROP
-33%
12% to 8% in 60 days
DATA QUALITY BOOST
+95%
more data-rich files
FRAUD DETECTION
+88%
overstated income cases caught
BRANCH EXPANSION
30
new branches deployed
COMPLIANCE & RECOGNITIONTrusted by Industry Leaders
Our commitment to security, compliance, and excellence is recognized by leading industry standards and certifications.
ISO 27001 Certified
Incubated at NSRCEL, IIMB
Elets- GenAI in Fintech Award 2025
Flexible Data Policy
RBI Audit Ready at all Times
Trusted by top Banks and NBFCs
Highest Grade Encryption of all Data
