SOP Allocation

1. Internal document
Page 1 of 2
SOPAllocation
Details :
Process Allocation
Date 10/05/2017
Version VER 1/ALLOCATION/ 0517
Scope: Broadly define activities involved in month beginning allocation of cases to
collection teams & Agencies.
Steps :
Sr.
No
Process Steps FPR Tentative TAT * Deviations if any
1 Receipt of delinquency data from ops Ops T
(As and when data
received – Not more
than 3rd of the
month)
2 - Preparing file for allocation of cases based on
logic of strategy, agency performance, capacity,
etc by centralized strategy team
- Send the files to the resp collections team for
onward allocation
Central
team
T+1
3 AL/SL to send allocation file to respective
agencies separately.
Imp :
Data to be transferred through secure
modes like password protected file, Fantail,
SFTP or any other bank approved channel.
In case of password protected files, the
password to be conveyed separately over
phone. Please change password on regular
basis.
AL/SL T+2 to 3
4 In circumstances where allocation needs to be
changed from one entity (agency or OSP or
employee) to another, the same need to be
informed to the Central team (Strategy)
mentioning the reason
SL As and when, during
the month

2. Internal document
Page 2 of 2
SOPAllocation
5 Central team will collate all such requests and
seek approval for reallocation of specific cases
to different entities, from Collection Head
Central
team
As and when
requests are
received. Within 2
days
6 Post approval from CH, inform the respective
AL/SL for proceeding with allocation to the
resp. entity.
Central
team
As and when
requests are
received. Within 2
days
7 AL/SL to allocate the specific case/s to the
respective entity.
Imp :
Data to be transferred through secure
modes like password protected file, Fantail,
SFTP or any other bank approved channel.
In case of password protected files, the
password to be conveyed separately over
phone. Please change password on regular
basis.
AL/SL As and when
approvals are
received. Within 1
day
*The timelines are indicative. Actual timelines may differ from case to case / time to time, considering the
dependency on process steps, volumes, availability &accessibility of relevant authority, etc
Guidelines:
a. Logic for centralized allocation will be based on below mentioned broad
parameters such as:
 Location wise.
 Product wise, where applicable or based on volume.
 Type of accounts – relationship based with a value based cut off that will be reviewed
from time to time.
 Telecalling capacity and centres catered by the telecalling unit .
 Agency presence at the location.
 Manpower (capacity) available at the agency.
 Past performance of the agency.
 Special skill sets with the respective agency e.g. ability to collect from chronic
defaulters, possession capability etc.
 Type of collection activity i.e. whether tele-calling, soft-collection, hard-collection,
repossession, settlement, skip tracking.
b. The logic for allocation will be dynamic to suit the prevalent collections strategy.