An NBFC lending against property was working its catchments evenly. Scoring showed the sourcing opportunity sat in a handful of pockets inside a 40 kilometre radius, not spread across it.
The input scale behind a single branch analysis.
A branch programme of that size cannot run on local judgement without producing inconsistent results across regions.
The business could already see whether officers had made their visits. It could not say whether the visits were in the right places.
The target borrower is defined by two things at once, and neither shows up in population data.
Each micro-market is scored on demand, on whether the business can actually be executed there, and on who already lends in it. The result is then blended with neighbouring hexagons, because a lending corridor that sustains a branch is wider than a single cell.
Competition is treated in two directions rather than one. Co-operative lenders in a market are an opportunity to win business from. Direct competitors at the same ticket size are a penalty, because they have already taken the demand.
The signals that separate a borrower who can pledge property from one who cannot.
Points of interest and registry entries, weighted by sector.
Building footprints across the catchment.
Road classification and connectivity per hexagon.
Bank and non-bank branch locations, separated by lender category.
The classification names the strategy, and it also names the cases where the model is working with gaps.
The output had to reach a field officer without a new interface.
How the micro-markets in a branch radius distribute across classifications, which sets how much of the catchment is worth staffing at all.
Micro-markets ordered by opportunity score, each carrying the classification and the summary of the raw signals that produced it.
Each priority hexagon is mapped to a recognisable landmark inside it. The officer visits the landmark, which is how canvassing gets concentrated and how the visit gets confirmed without a new app.
The measurement design was settled before the pilot started, including the part where a rise does not count.
Give us a branch and the radius it serves. We will rank every micro-market inside it and show you where your officers are not going.
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