1. TEAM RCCU

2. Rapid Centralized Credit Unit
• Young Team : Vintage of 1 Year 7 Months
• RCCU started with W2 as a pilot project in Aug 2014,where average volume handled was 1500
cases.
• We have started RCCU a year back with 2 credit managers on board with projection of approx.
10k files per month with 9 credit managers putting board for TW PDP CPV waiver cases pan
India.
• We as RCCU team are managing 40% of PAN India cases, which means we are key players in
maintaining regional portfolios.
• 72% of Pan India CPV exempted cases being managed
• Successfully implemented in all regions.
And now its team of 28 credit managers and processing close to 27k files per month with
remarkable performance on 30 mins Credit TAT & 60 mins Decision TAT.

4. Local Flavours
• North : Managing Volume with Quality TVR
• East : Only region with Low Score (CPV Exemption)
• South : Higher NIP funding
• West : Stress location under LTV filter

5. Training and Sharing Information
• Training to the new-joinees-FPR’s being allotted.
• Sharing Best Practices with the line business and credit team, to have
better impact .
• Exposure to different regions, which is a continuous process of
learning for the team.
• We ensure that a healthy reminder is sent to a concerned authority
for smooth work process.
• Members take initiatives and prepare timely reports which helps in
reducing Errors ,feed-backs from Non –starters, etc.

6. Dec'14 Mar'15 Apr'15 Jun'15 Sep'15 Oct'15 Nov'15 Dec'15 Feb'16
No of file Process 10502 19796 16193 16620 25821 36949 35174 19326 24792
Dec TAT % 44% 66% 63% 71% 76% 84% 76% 72% 90%
Und TAT % 77% 84% 86% 92% 93% 96% 93% 93% 98%
Shop TAT % 32% 53% 49% 51% 59% 74% 66% 52% 82%
0%
20%
40%
60%
80%
100%
0
5000
10000
15000
20000
25000
30000
35000
40000
Nos Nos V/s TAT

7. RCCU PAR
Mar'15 Apr'15 May'15 Jun'15 Jul'15 Aug'15 Sep'15 Nov'15 Dec'15 Jan'16 Feb'16
PAR 1.04 0.94 1.00 0.53 0.48 0.6 0.42 2.07 1.34 0.39 0.26
0
0.5
1
1.5
2
2.5
PAR

8. Work/Team Management
• Team is managed by 3 ACM’s
• Timely Sessions with the team members and respective ACM’s for updates
and important downloads to the team.
• Proper Sharing of PDP Counters/Regions among Team members to have
equal work flow of files ,which helps to distribute the work load properly
among the team members.
• Reply to the Reject/Re-looks

9. Measuring Performance continuously
Track on each and every members for monitoring the activities and
which helps to inspect and ensure all the processes are followed.
How many cases are in
your queue?

10. Every 2 months the entire team plans outing or party
which helps strengthen bond among the team
members

11. Teams success depends on a Common Goal

12. Work life balance
• Shift Timings to manage Work life balance for the Team
Members
• Sunday Working /comp-offs Schedule are prepared on
prior basis for every 2 months.
• We manage our holiday working /regional festivals.

13. Way Forward
• Credit Team Management.
• Ongoing co-ordination & training to PDP staff for better
deliverables.
• Timely training for Policies of different regions.
• Ensuring TAT management in PDP waiver cases.
• Challenge to manage festival volume of all regions.
• Focusing on PAR/Tracking & monitoring Portfolio Quality.
• Close Co-ordinations with different regions/verticals for Zero level
escalations.