TVS Credit Services Limited
Operational Efficiency That Improves Every Interaction
- Client: TVS Credit Services Limited
- Industry: Financial Services – Vehicle & Consumer Finance
- Region:
Summary
TVS Credit partnered with Orane to consolidate multi-source collections data and enable real-time analytics using Tableau. The transformation empowered data-driven decision-making, improved recoveries, and optimized effort deployment across collectors, reducing operational overhead and enhancing overall credit performance.
Key Results
- Centralized analytics platform replacing manual report generation
- Real-time tracking of collections, bounce & hold trends
- Improved collector performance with actionable insights
- Prioritized recoveries using value-based approach
- Regulatory compliance through fair customer treatment
Client Snapshot
Customers: Auto loan customers across 2W, 3W, CV & equipment financing
Business Model: Collections, credit operations & dealer network
Solutions Delivered (Features):
• Tableau dashboards for collections analytics
• SQL-based data consolidation from multiple systems
• Product, region & date-bucket based insights
• Payment mode & bounce/hold analysis
• Collector performance visibility
Engagement Type: BI + Collections Analytics Enablement
Duration: Multi-phase rollout with scale enhancements
The Challenge
• Collections insights spread across multiple disparate systems
• Manual reports causing delays & inconsistent data
• Lack of visibility into bounce patterns and high-risk accounts
• Inefficient linear allocation of collectors → lower recovery rate
• Limited tracking of regional & payment-mode performance
• High operational effort required for daily management reviews
The Solution
• Unified data across heterogeneous sources into SQL data warehouse
• Tableau dashboards themed around:
– Product-wise and region-wise collection analytics
– Bounce, clearance & hold payment behavior
– Date-bucket segmentation & comparison with prior months
• Introduced value-based collector prioritization
• Automation handling low-value & high-automation accounts
• Human intervention focused on high-risk & high-value recoveries
• Central Ops dashboards for CFO/Collections leadership reviews
Business Benefits
• Increased collections productivity with lower manpower requirement
• Faster and accurate performance review → improved decision-making
• Improved PTP (Promise-to-Pay) success through targeted interactions
• Better regulator alignment ensuring fair consumer treatment
• Competitive insights across payment modes & regions
• Reduced operational errors & process inefficiencies
• Empowered collectors with real-time decision tools
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