Protium Finance scales SME and Business Loan assessments using Video PD

Protium Finance adopted VideoCX.io’s Video PD solution to scale SME and Business Loan assessments while maintaining strong credit quality and compliance controls.
Protium

At a glance

  • Use Case: Video Personal Discussion (Video PD) (SaaS)
  • Departments Covered: Business Loan ( BL), SME Loan
  • Go-Live Date: 1st Jul 2022

Protium

Protium Finance is an NBFC focused on providing fast and flexible credit solutions to SMEs and emerging businesses across India.

With a strong emphasis on data-driven underwriting and digital-first processes, Protium aims to reduce turnaround time while maintaining high credit quality.

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

During the Video PD Call

The agent guides the customer through the following steps:
  • PAN Card screenshot.
  • Location sharing.
  • Surroundings photograph.
  • For – SME Loans BL they take screenshots of the stocks.
  • Call is then marked as Success, Reject, or Pending with comments.

Post-Call Workflow

Once the Video PD is complete:

  • Chat link with Video Recording 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 scale SME and business loan credit assessments at speed?

See how VideoCX.io’s Video Personal Discussion (Video PD) platform helps NBFCs digitize SME and business loan assessments, reduce credit TAT, improve senior oversight, and maintain strong fraud and compliance controls.

Whether you are scaling high-volume SME lending, enabling remote credit discussions, or strengthening audit visibility without slowing approvals, VideoCX.io provides a purpose-built Video PD platform trusted by leading lenders.

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