SBI Cards and Payment Services Limited CC-Dec23.pdf · 2024-01-25
I just wanted to understand like is it possible for us to categorize customers based on the behavior pattern or based on the multiple lines they are running. How many customers of ours could be such that who have multiple lines running for them and who could have seen delayed payments so that at least we can categorize that this is the pool size which is seeing some stress and probably action can be taken against that pool size? Secondly, what I understand is that the bulk of the customers we acquired have a CIBIL score of 725, 750, and above. Despite that CIBIL score, we are seeing such large delinquencies.
Sir, is there anything we can do on that before that? Before the customer turns 600 score, are there any lead indicators that the client has taken multiple lines of credit? What action we can take?