SFDC – Financial Services – Credit Card Cross Sell Application Development – Success Story

Client Overview

Client is one of the most diversified India-based Non-Banking Financial Company (NBFC) in the market catering to more than 5 million customers across the country. They pride themselves for holding the highest credit rating of FAAA/ Stable for any NBFC in the country today. Their product offerings include Consumer Durable Loans, Personal Loans, Loan against Property, Small Business Loans, Two-wheeler and Three-wheeler Loans, Construction Equipment Loans, Loan against Securities and Insurance Services.

Business Challenge

  • Client required a solution, which would extend their current CRM capabilities. The client wanted to improve its business operations and profitability by cross selling Standard Chartered credit cards to its large retail customer database. For this, client wanted to be able to precisely identify the CIBIL credit rating for each customer.

  • The client needed an automated solution that could access the CIBIL credit rating faster and provide precise information to the credit card call center team.

Technical Requirements

  • Visualforce

  • Apex

  • CSS

  • JQuery

  • JavaScript

Solution Strategy

  • Eternus Solutions reviewed the business objectives and worked with the client’s Subject Matter Experts (SMEs) to implement a new transaction processing system leveraging Force.com’s Apex and Visualforce as the implementation technology stack.

  • The tele caller would generate a customer inquiry and process the customer’s consent and on saving the customer data, an automated web service request is sent to verify the customer’s credit rating. The record then moves to internal quality check for approval and is routed to FOS to collect the customer’s documents, which sent to the Central Ops.

  • The Central Ops identify change in critical customer information and confirm the credit rating again in case of customer information change after which the case is closed and the credit card is dispatched.

Solution Components

  • Customization of existing Standard objects

  • Creation of new objects

  • Triggers, Workflows and Classes to manage the business work flow

  • New custom Visualforce pages, triggers and workflows aligned to various processes

Development Methodology

  • Development on Developer Sandbox

  • SRS and Design documents to start building any new components

  • Designing and developing workflows for various processes

  • Extensive usage of Trigger, Classes and Batch Apex, Schedulers to write custom logic

  • Coding using SFDC standards and best practices

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