Five-Star Business Finance Limited CC-Jun25.pdf · 2025-07-29
I just had two questions. One, on the attrition rate at the loan officer level, what would be the ballpark attrition rate at the loan officer level and the borrower count per loan officer, has it gone up or down after we have seen some amount of stress building up? So t hat's question number one. And question number two, just taking cue on the remarks that you have had on underwriting practices. I just had -- see, we submit -- how often do we submit the loan details to CIBIL or TransUnion so that the problem of overleverage is arrested at the household level. So how often do we submit the data to them?
Got it. Because since the MFI companies that we often speak to submit on a monthly basis, so how do we ensure that at the time of -- or during the course of the loan, the indebtedness at the household level is monitored. So do we take any extra steps? I un derstand that once we loan it to them, we can't do much about it. But do we have -- have we put in additional guardrails as to how we manage the indebtedness at the household level on an ongoing basis, maybe in our collection efforts?