BRIGHTO CREDIT INFORMATION PRIVATE LIMITED

Corporate

CPV is one  of the major vertical for BRIGHTO. Under CPV vertical, we provide various verification services like – Address Verification, Tele Verification, Document Verification, etc. to Banking and Non-Banking Sectors, Insurance Sectors.

We handle major volume of Credit Cards, KYC and Retails Assets Products including Personal loan, Business loan, Auto loan, Education loan, TW loan, Loan Against property/Mortgage Loan, Commercial Vehicle & Home loan etc.

Address Verification:

We conduct Residence/Business address verification activity to confirm applicant/candidate existence at given address. Our  Field Executives personally visit to the given and gathered maximum information about the applicant. Following information gathered at the time of verification.

1. Residence Address Verification
2. Business Confirmation

TELE Verification:

We called up to the applicant/candidate on the given contact number and collect maximum information over phone as well verify whether applicant is reachable at the given contact number.

1. Residence Tele Verification
2. Business Tele Verification

Digital India is transforming the data landscape and the government is creating digitized records of citizens. This is leading to checks being conducted via API and Online Database, thus making data available instantly. Some of our next generation services are in use, and we will be launching new digital checks every month.

• Address Verification: Residential Address Verification is done through a physical site visit or database check. Our field staff visits the current/permanent/previous or all the addresses of the candidates as requested by employer. During the visit house, street, GPS Coordinates and signature of the verifier is captured and shared with employer.
• Court Record Check: This check involves search for records of any charges against the applicant/candidate in the court of Jurisdiction (Supreme Court, High Courts, District Courts, Tribunal and others) to check for any potential background/other cases against the candidate.
• Education Check: Education check involves verifying the authenticity of candidate’s educational & professional qualification from the respective colleges/institutes/universities.
• Reference Check: A reference check gives you more visibility on the candidate’s profile. Our well researched questions are designed to elicit honest response.
• Credit Check: A credit check is a credit score which is provided by a govt. recognised credit bureau used by employers to ascertain the financial stability of the candidate.

• Workforce Management: A native workforce management solution for built-in fully integrated forecasting and scheduling in our Call Center Platform.
• Recording: We record calls and agent screen activity for compliance, quality assurance or Coaching.
• Integrations: Centralise and sync all the systems that the business relies on. From single sign-on to CRM-we’ve got everything covered.
• Team Collaboration: Our team is fully collaborated for easy work flow and best possible reduction in TAT via mail or end to end communication.
• Reporting and Analytics: Our all workflow is very closely monitored and all quality checks are met by the quality experts who are ace in their platform.
• Quality Management: We review and score all calls and screen recordings using predefined or customer evaluations.
• Flexible Voice: We have a flexibility of voice as to get in touch with the customers in their native language.
• Unified Communications: We have a state of the art communication were all systems are integrated and Contact is made within all possible ways allotted.

RCU Services

1. Screening & Sampling Process: This pre-sanction activity done for various retail loan products and in this we do screening of 100% files logged in, and look for any subspecies documents/profile. We collect the samples of those documents up to prescribed percentage of logged in files for verification and detailed report with findings is submitted in agreed Turnaround time.
2. Document Verification: We verify the authenticity of KYC/Income and other documents with the issuing authorities which could be the registrar, the hospital, Passport office and other concerned authorities and highlight any mismatch or discrepancy detected (during verification) between the details mentioned on document and that found in the authority

Seeding & Mystery Shopping

Seeding & Mystery Shopping is an activity conducted to check

• Customer identification process followed by respective units/associates
• Apparatus, equipment and infrastructure employed for conducting activities
• Sacrosanctity of services and approach, process being conducted by units/associates
• Dealer Stockyard Audit
• Dealer Stockyard Audit is an activity conducted to check-To identify or Analyse the Utilization of funding done by bank’s/financial institute to
• Dealer’s for their working Capital
• Analysis & Tracking of physical stock available at stockyard, stock in transit & sold Stock
• Re-finance for new additional stock

Under Brighto Document Collection and reviews, we conduct the following activities.

1. Document Fulfillment for Retail/Cards Application: Once the Lead generated by alternate Channels, we contact the customer and collect the filled Application form, KYC and Income documents. We also verify the Documents against the Originals at the same time
2. Post Disbursement Documents Collections: We help in collecting Post Disbursement Documents i.e. RC Book, Invoice by Contacting Customer/Respective dealer
3. ECS Pick-up & Submission/Activation: We help in Collecting ECS Mandates from Customers and can also verify/submit the same to Customer’s Bank for further process
4. Liability KYC Document Pick-up: In KYC refresher process, we contact customer and collect required KYC Documents
5. Cheque Pick-up: We visit to the Customer’s address as per Appointment and collect the premium Cheque of Specified Amount. We also deposit the same into Client’s Bank Account
6. PMS Document’s Fulfilment: We visit to investor’s address as per appointment to get the agreement signed and collect required documents. We also verify the Documents against the Originals at the same time.