Arohan Financial Services strengthens Privilege Digital Loans with Video PD by VideoCX.io

Arohan Financial Services partnered with VideoCX.io to digitize its Personal Discussion (PD) process for Privilege Digital Loans, reducing turnaround time, improving credit oversight, and enabling scalable loan processing without physical dependency.
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At a glance

  • Industry: Microfinance / Financial Services

  • Location: India

  • Use Case: Video Personal Discussion (Video PD) for Privilege Digital Loans

  • Departments Covered: Credit, Operations, Risk & Underwriting

Arohan Financial Services

Arohan Financial Services is a leading microfinance institution in India, serving a wide customer base across multiple geographies.

As part of its digital lending initiatives, Arohan offers Privilege Digital Loans, with credit verification enabled via video helping in faster, more controlled, and fraud-resistant PD process to support growth while maintaining underwriting discipline.

Problem Statement

  • High TAT with physical PDs: Manual, in-person PDs delayed loan approvals and increased processing time.

  • Limited visibility for senior credit teams: On-ground PDs lacked centralized review and oversight.

  • Scalability constraints: Physical interactions restricted the ability to scale digital loan volumes efficiently.

  • Risk of inconsistencies: No permanent digital evidence of customer interactions increased audit and fraud risks.

Solution by VideoCX.io

  • Video PD for Privilege Digital Loans: Secure, structured PD conducted remotely over video.

  • Centralized visibility: Credit and risk teams could review PD recordings anytime.

  • Standardized PD flow: Ensured consistency in customer interactions across locations.

  • Digital audit trail: All video interactions recorded and stored securely for compliance.

Implementation

  • Customers received a secure Video PD link via SMS.

  • Upon joining, credit officers conducted the PD over video using predefined prompts.

  • Officers captured key customer confirmations and contextual visuals during the call.

  • Each PD was marked as Approved / Rejected / Pending with remarks.

  • Recorded sessions were reviewed by senior credit teams before final decisioning.

Results & Impact

  • Reduced turnaround time: Faster PD completion and quicker loan decisions.

  • Improved credit oversight: Senior teams gained visibility into PD and decision rationale.

  • Operational efficiency: Higher PD volumes are processed without field visits.

  • Lower risk & stronger compliance: Permanent video evidence minimized fraud and disputes.

  • Scalable digital lending: Enabled Arohan Financial Services to grow Privilege Digital Loans efficiently across regions.

Ready to scale digital microfinance lending with stronger credit oversight?

See how VideoCX.io’s Video Personal Discussion (Video PD) platform helps microfinance institutions and NBFCs digitize digital loan verifications, reduce turnaround time, and enable centralized underwriting visibility without physical dependency.

Whether you are expanding digital loan programs, standardizing PD workflows across regions, or strengthening compliance with recorded, audit-ready interactions, VideoCX.io provides a purpose-built Video PD platform trusted by leading lenders.

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