Objective 1
Identify High-Potential Borrower Segments
Analyze demographic, income, and credit behavior patterns to identify medium- to high-value loan prospects with strong repayment potential.
CASE STUDY
Boosting Loan Applications Through Borrower Segmentation in India
Client
Confidential
Engagement Owner
Founder
Geography
India
Client Context
Confidential
The client provides digital wallet, lending, recharge and utility payments, e-commerce, insurance, and cash loan services to financially underserved customers in India. The platform enables fast disbursal of loans up to ₹1 lakh, with repayment tenures of up to six months.
As demand for short-term digital credit increased, the client sought to identify high-potential borrower segments, improve underwriting efficiency, and align loan offerings with customer expectations across pricing, service experience, and repayment behavior.
Engagement Value Pillars
Engagement Objectives
Strategy consulting objectives designed to provide actionable insights and sustainable competitive advantages
Objective 2
Improve Product Design and Underwriting Strategy
Generate actionable insights to refine marketing approaches, enhance product design, and strengthen underwriting frameworks for better risk management.
Objective 3
Align Loan Features with Customer Expectations
Understand evolving borrower expectations around loan amount, pricing, repayment flexibility, and service experience to improve market relevance and uptake.
Our Methodology
Consulting Approach & Initiatives
A systematic, research-driven approach designed to deliver actionable insights and sustainable outcomes
Step 1
A. Borrower Segmentation and Scoring Framework
Created a targeted scoring system to identify prime loan candidates across medium- to high-value segments, balancing borrower quality, repayment probability, and portfolio risk.
Step 2
B. Cross-Functional Data Analysis
Analyzed customer and transaction data across marketing, product, and underwriting functions to improve borrower targeting, approval efficiency, and customer satisfaction.
Step 3
C. Consumer Behavior and Product Positioning Assessment
Assessed borrower behavior, experience, and perception across multiple customer touchpoints to strengthen loan product positioning and identify priority improvement areas.
Measurable Business Outcomes
Impact Delivered
01
$150 Mn+ Addressable Market Identified:
Unlocked a high-value borrower opportunity pool by identifying customer segments with strong repayment potential.
Client Endorsement
4.5/5
4.5/5
— Director, Yash Highvoltage Insulators
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