FINANCE AND BANKING
CASE STUDY 2
Created By
Avdesh Garg
Components
• Lead Management System
• Capture the lead
• Qualify the lead
• Distribute the lead
• Capture the conversation regarding the lead
• Risk and Fraud Analysis
• Defaulter Management System
• Response to Defaulter person system
• Lead Operation System
• Detail Verify Management System
• Document Management System
• Collect document
• Verify Document
• Loan Disbursement System
• Cross Selling Management (CSM)
• Capture the converted and unconverted leads
• Do analysis on those leads
• Follow up call based on the analysis
• Sell the required product according to analysis.
• Case Management System
• Capture the Details of case
• Capture the conversation regarding the case.
Questions
1. Ask details about their company.
2. Ask details about all their processes.
3. Is this project focused on reducing effort leakage or increase revenue
or provide better customer service ?
4. Ask about their revenue model.
5. Ask about their priorities regarding processes and modules.
6. Ask about the impact of priorities on their revenue model.
7. Do you provide finances or something more ?
8. Is their any investment model in your company from which you do
investment for other companies against some equity shares ?
9. Do you want to capture document or do you want share documents
with others ?
10. If you want to share document with others then from which medium
for example via emails or our system?
11. Ask about the new features they want to add.
12. Ask about the deployment, do they have their own server or do we
need to provide server.
13. Ask about the maintenance, means in future they will maintain the
system or they need our help to maintain this.
14. Ask about the timelines
Note: There will be lot of questions based on the information we get
from these questions
Assumptions
• We are creating this project for only one branch (New York branch) only.
• We are assuming that you have only one finance product name loans for
your individual as well as business customers.
• We are assuming that the project will going to deploy on amazon servers.
• We are using two servers
• One for B2C users
• Another one for B2B users
• We are assuming that they will need our help in future for maintenance.
• The company website initial traffic will be around 10000 request per day
(means 10000 leads per day).
• The company is getting lead initial from its own website. On later stages
they will expand.
• As per our research, the conversion rate is 30% of cold lead, 50% of warm
lead and 80% of hot lead. The overall conversion rate is around 50%
• As per our research, the bounce rate is around 50%
• B2B servers needs to process around 40000 request in one day.
• B2C server needs to process around 100000 request per day.
• We need a load balances between two servers.
• Currently our client is focusing on loan management only.
USE CASE – Process a Lead from capture to VERIFY (For individual B2C user)
• Prerequisite
• The internal user is the power user of system and process.
• The B2C user know about our website or he has already open our website
• Trigger point
• The B2C user has desire to take loan
• Primary Actor
• B2C user
• Secondary Actor
• System
• B2B user
• Main Success Scenario
1. B2C user fill his details on our website which include:
1. Name (Full name)
2. Phone
3. Email
4. Age (Date of birth)
5. Gender <Radio Button>
1. Male
2. Female
6. Address (Especially pin code - mandatory)
7. Resident Type <dropdown>
8. Owned by self
9. Parental house
10. Rental
11. Paying Guest
12. Hostel
13. Tenure in company
14. Total work Experience
15. Have you taken loan in past <Radio button>
1. Yes
2. No
16. Total EMI you pay currently
17. PAN card Number
18. Desired Amount of loan
19. Your Employment type
20. Net monthly income
21. Salary received in (Bank Name)
2. System capture all the details and distribute it to sales rep based on distribution
criteria
1. Location
2. Type of loan
3. Sales Rep Experience and amount of loa
• Main Success Scenario (Continue)
3. Sales rep get notification about the lead
4. Sales rep make call and verify all the details and mentioned it in system.
5. System will check its cibil score.
6. If lead verifies then sales rep mark verify and if not it will mark not verified.
HIGH LEVEL FLOW DIAGRAM
System Capture
Check Cibil Score
FILL FORM Data
Mark Verify B2B user Verify Distribute Lead
Details
