Loan officers manually decided whom to visit, leading to inefficient travel and low customer coverage.
Supervisors lacked real-time data to track visits, monitor productivity, or evaluate effort.
Loan sourcing and collections were not geo-validated, allowing fraud to go undetected.
Route planning and task scheduling ensure structured visits and better territory coverage.
Managers get live visibility into staff location, visit status, and task completion
Every interaction is location-verified ensuring loan sourcing, verifications, and collections happen where and when they should.
Finance institutions play a vital role in extending credit to
underserved
populations through high-touch, field-driven operations.
As these organizations scale, they face growing pressure to digitize their loan
origination and servicing workflows while keeping costs low and fraud under control.
Supervisors had no real-time view of field activities. Performance was judged on outcomes alone, not actual effort or customer interaction.
Visits were marked without being made. Disbursals and EMI collections were approved without verification, leading to revenue loss and high delinquencies.
Group loans were assigned across distant locations, weakening peer accountability and increasing default risk.
Loan officers planned visits manually, leading to missed customers, travel inefficiencies, and overlapping territories.
Workmate captured geo-coordinates and timestamps for every customer visit—whether for loan sourcing, verification, or collections. This ensured that all field interactions were verifiable and auditable.
The platform recorded location data for both AGT (sales officer) and GVP (branch manager) visits. This helped detect fraud where approvals were issued without actual on-ground verification.
Workmate planned daily routes based on geography, reducing overlap between officers and maximizing customer coverage. Serviceable areas were redesigned to lower travel inefficiencies and operational costs.
Borrower groups were often geographically scattered, weakening peer accountability and violating Finance lending principles. Workmate flagged such groups using location intelligence, helping restructure them for better peer accountability.
Supervisors were alerted when repeat visits were made to the same address or when employees approved tasks without visiting the field. Fraud patterns—like sourcing multiple loans at the same location—were flagged early.
Supervisors tracked daily agent activity across thousands of field staff, including task completion, routes taken, and inactive users—enabling more informed decisions and performance-based evaluations.
By eliminating overlapping territories, identifying untapped areas, and automating visit planning, Workmate helped reduce the cost per borrower and improved overall field productivity.
MapmyIndia’s Workmate brought structure and accountability to
a leading Microfinance institution’s high-touch, field-led model:
8 AM Logins Across Thousands of Field Agents: A breakthrough in on-ground discipline, enabled through app-based attendance tracking.
Lakhs of Borrowers Geo-tagged: Borrower identification is now location-based, reducing staff dependency in a high-attrition environment.
Daily Time-Spent Analytics: Travel, task, and idle time are tracked daily, transforming field activity into actionable insights.
By replacing informal processes with platform-driven visibility, Workmate is enabling
financial institutions to scale reliably without losing operational control.
As finance institutions scale, Workmate is helping them digitize
field operations, reduce risk, and drive consistent borrower engagement.
The focus ahead: deeper integration, smarter supervision, and scalable growth.
+91-7829 774 111