Credit Verification Process

Credit Verification

A process where the information provided by the

Airtel customer is reviewed to determine the accuracy
of the details provided on the Subscription Enrolment
Form (SEF).
 Need For Credit Verification

To identify, evaluate and determine the business risks

associated with the entry on to the network.

To ensure the investigation and review of risks,

involving customers.

To provide management analysis and planning

support to the companys management for effective
decision making.
 Credit Verification
Input
SEF
Other Supporting Docs
Report for activation in the billing system

Initial A P F A
activation ll r i s
of the o e e s
subscriber c - l i
s in the a v d g
billing ti i v n
system. o s i c
n it s r
t it e
Output
t e d
Verification report
o l t it
Credit Limit Setting
e o li
C c b m
V a e it
 Credit Verification

Customers Suppliers

Subscribers FSO/Connect/Dealer
SMG Contract Subscribers
CIG IT
RMG CV agency
Credit Verification Process

New subscribers
activation in the
system/address change of
existing subscribers.
(TAT: Day 0)

Download the report and send to

the Credit Executive. (TAT: Day 1)

Allocates accounts to the

agencies. (TAT: Day 1)
 Credit Verification Process

Go to FSO/FN premises for SEF

Collection everyday. (TAT: Day 1)

Tally SEF against activation report and a copy to be

handed with receiving. (TAT: Day 1)

Collect pending and unallocated SEF in separate

packet and separate receiving. (TAT: Day 1)
 Credit Verification Process

Soft copy of covering of SEF being

submitted is to be mailed to Service
provisioning. (TAT: Day 1)

Another soft copy of incomplete info cases to be

mailed to service provisioning. (TAT: Day 1)

Pre Telecalling to be done on the SEFs collected

and obtain any missing information. (TAT: Day 1)
 Credit Verification Process

Telecalling executives to take

appointments for the field executives.
(TAT: Day 1)

Get photocopy of SEF, photo & photo ID for welcome

visit purpose & during visit. (TAT: Day 1)

Allocation of the SEFs for verification to the field

executives to be done. (TAT: Day 1)
Credit Verification Process
Field executives to visit the subscribers
for address/credit verification.
(TAT: Day 2/3)

If subscriber disagrees on the document contents,

ask for right content shown by the subscriber.
(TAT: Day 2/3)

No
Go to
Step
A
19
 Credit Verification Process
Subscriber to provide the missing
details/Documents to the AV/CV
A
executive. (TAT: Day 2/3)

Has the subscriber

provided missing
details?
(TAT: Day2/3)

No Yes
Prepare a report with the Prepare a report of the complete
cases where documentation verified cases with complete
is incomplete. (TAT: Day 2/3) documentation. (TAT: Day 2/3)
 Credit Verification Process

Telecalling to be done to obtain the feedback on

the AV/CV executive. (TAT: Day 3/4)

Yes No

B
Send report to Audit agency
& SMG team along with
SEFs and supporting
documents. (TAT: Day 4/5)

Go to step 35.
 Credit Verification Process

Report sent to dealers/Sales & SMG team on the

B cases where verification not OK. (TAT: Day 4/5)

No Yes

C
Send report to Audit agency
& SMG team along with
SEFs and supporting
documents. (TAT: Day 4/5)

Go to step 35.
 Credit Verification Process
Pre-bar SMS to be sent and auto-dialer to
the subscriber for whom the complete
C details not received or disagreed on
calling. (TAT: Day 6)

Yes No
D

Revisit by the AV/CV

agency to take place and
collect the missing
documents. (TAT: Day 8)

Send report to Audit agency

& SMG team along with
SEFs and supporting
documents. (TAT: Day 8) Go to step
35.
 Credit Verification Process
D Put the subscriber on temporary
withdrawal status. (TAT: Day 14)

Yes No

Revisit by the Permanently

AV/CV agency to withdraw the
take place and subscribers
collect the missing account.
documents. (TAT: Day 105)
(TAT: Day 16)

Go to step
35.
Credit Verification Process

Send report to the audit agency team

along with the SEFs and supporting
documents. (TAT: Day 105)

Raise a debit note against the

channel partner as per the
Debit matrix.
(TAT: Day 106)

All the SEFs along with the

supporting documents to be
scanned, indexed and archived.
(TAT: Day 107)
 Initial Credit Verification
Process
AV/CV is received by SMG
Team for fresh & re-verification
cases.

No
Is it an Yes
exception?
A

Is the
Yes Set credit limit
verification based on
positive? Exception Matrix.

No
Re-allocate the case to
the verification agency for
AV/CV.
 Initial Credit Verification
Process

Has the
customer opted Yes
A for VAS services
like NR/IR etc?

No

Has the
customer
given security
deposit?

Based on the Initial Credit

Limit Matrix, allocate the
customer the initial credit limit.