Godrej Capital Accelerating Loan Against Property and Business Loan Assessments Through Video PD

Godrej Capital implemented VideoCX.io’s Video PD solution to streamline LAP and Business Loan assessments while improving scalability and risk control.
Godrej Capital

At a glance

  • Use Case: Video Personal Discussion (Video PD) (SaaS)
  • Departments Covered: Loan Against Property (LAP), Business Loan ( BL)
  • Go-Live Date: 1st Sep 2023

Godrej Capital

Godrej Capital leveraged VideoCX.io to streamline LAP and Business Loan credit assessments through scalable Video PD workflows.

Problem Statement

  • Physical PD are time consuming, TAT is more and less cost effective.
  • Seniors are not aware of the onsite issues and commitments done by the credit officers, which affects business growth in the long term.
  • No digital evidence of the customer, thereby increasing the possibility of fraud.

Solution by VideoCX.io

  • Video PD helped them to overcome the above problem statement.
  • The cost per PD got reduced and more PD were processed on a single day, thereby increasing their business volumes. This opened doors to other departments.
  • National Credit Managers can review the Video PD and help in cases where the credit manager could not take decision for the loan disbursement.
  • Having digital presence of the customer ensured there is no fraud done by the credit manager.
  • Customer data is stored forever.
  • Increases the reach across India.

Customer Touchpoint Journey

  • The employee sends the link to the customer via Videocx.io.
  • SMS Gateway is of Videocx.io.
  • The customer receives the link on mobile, clicks on “Start Chat”.
  • A notification is triggered on the agent’s chat window, allowing them to start the session.

During the Video PD Call

The agent guides the customer through the following steps:

  • Customer Face Capture
  • PAN Card screenshot.
  • Location sharing.
  • Surroundings photograph.
  • For – Business Loans they take screenshots of the stocks.
  • For – LAP – House number, house photos against which loan is taken.
  • Call is then marked as Success, Reject, or Pending with comments.

Post-Call Workflow

Once the Video PD is complete:
  • SCP link is manually copied and pasted in LOS.
  • The supervisor reviews the recording.
  • Based on this review, the loan is either approved or disapproved.

Ready to digitize LAP and business loan credit decisions at scale?

See how VideoCX.io’s Video Personal Discussion (Video PD) platform helps NBFCs streamline LAP and business loan assessments, reduce credit TAT, improve senior oversight, and strengthen fraud controls across locations.

Whether you are handling high-value LAP cases, scaling business loan disbursements, or enabling remote credit assessments with full audit visibility, VideoCX.io provides a purpose-built Video PD platform trusted by leading lenders.

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