NL__APRIL 2016

Home Credit India Sales Magazine

CONNECT
Issue - XIV | April’ 2016 Edition

FROM
ARTEM’S DESK

Best ASM (NAGPUR) What’sŸ Inside
Raaj Kumar
Deal Storming
Best DSM (NAGPUR)
Devendra Nagdive Ÿ 90 Days Cool - Off Period

Best SA (INDORE) Ÿ Performance Of The Month
Goverdhan Patidar
Ÿ Significance Of UID
Best X-Sell SA (NCR)

Puneet Mehra

CONTENTS 1
2
From Artem’s Desk 3
Home Credit On Map 4
Performance Of The Month 5
90 Days Cool - Off Period 6
Deal Storming 7
Be Smart! Act Smarter! 8
List Of Valid Accessories 9
Do 100% Finger Print Check 10
Meet Your Management 11
Blossoming Buds: Meet The Best SA 12
Promotions of the Month 13
Market Buzz
Contest Corner

FROM
ARTEM’S DESK

Also, ensure that you evaluate the result of the activities done on
regular intervals to find out what worked best for you and pursue the
result driven activities only.

To build strong and stable team I would encourage each one of you to
take a step forward, refer your friends and earn amazing referral rewards
via our super exciting ‘Refer & Earn Program’. Let your friends also be a
part of the HCI family and enjoy privileges of a multilingual &
multinational company.

Hello Team, During my visit to Chandigarh, of leafleting at every nook and corner,
target a specific area or a place where masses gather, initiate a
Last month I addressed you all as the TEAM OF WINNERS, and I’m very sure conversation with the customer. Tell the customers about Home Credit,
that each one of you will give me enough reasons to authenticate it in the ask them to give you 2 referrals if they can. Knowing how important
months to come. I am very sure that my troop of winners know the WIN- leafleting is to our business, make sure that you carry out leafleting in such
WIN strategy and will certainly outperform to overachieve the targets. a way that none of the leaflets are wasted in any way. Ensure that the

I am glad to tell you that we have introduced DSM total check ins with SA leaflets you distribute go in the right hands and are put to use effectively.
audit with a mission to help the team achieve the given targets by ensuring Do cover the appropriate places such as ATMs/Tolls, entrance of factories,
100% POS coverage along with 1 successful login on each visit. I am happy bus stand, railway stations, to mention a few as this will endorse Home
that many of you have initiated this the right Credit as a brand.

way, however 46% POS coverage is not what “ ”Let’s strive towards becoming the unbeatable This month’s newsletter consists of
would serve the purpose. Goal is 100% POS heroes of the sales world! informative topics that will certainly
coverage with 100% successful logins on
each visit. Implementing this will help you enhance your sales skills and make you a
achieve the desired results with much more
better Sales Associate. You will come across topics like how to recognize a

ease. suspicious customer, recall the list of accessories that we finance with the

Speaking of targets, last month’s TW target was INR 197,477 (000s) and we commodities and cool off period of 90 days in case of rejected
could achieve INR 140,535 (000s). Similarly, our target on CD was INR applications.
489,046 (000s) and we achieved INR 477,470 (000s). On the whole, the
target was 686,523, however we achieved 90% of the given target i.e. INR Last but not the least, I wish you all the luck for the month of April.
618,005. As I said, certain of your dedication and caliber, I expect this Let’s make it an epic one!
month to be better and more productive than March.

Benjamin Franklin rightly said “If you fail to plan, you’re planning to fail”. I Best,
would want my team to focus on long term planning and initiate activities Artem Popov
/projects that would not yield temporary gains but prove to be beneficial in
the long term. So, set the targets for the next 3 months, and implement
activities to achieve the targets.

1

Jalandhar
Chandigarh

Ludhiana

Dehradun

Delhi/NCR

Jaipur Agra Lucknow
Kanpur

Jodhpur

Kota Allahabad Varanasi

Ahmedabad Bhopal Jabalpur
Vadodara
Indore Raipur Jamshedpur
Vizag
Surat Nagpur
Nasik

Aurangabad Rollout city
Mumbai Pune Business city

Hyderabad

Vijayawada

Bangalore

Mysore Chennai

Coimbatore

Madurai
Kochi

No. of Cities Total Active POS Total Customers till Date Active Customers Sales Force Head Count

35 3,453 8,15,490 5,27,083 4,513

2

Performance Of The Month

TOP-3 ASMs Based On Monthly Ranking

EMP_ID NAME LOCATION

9502 Raaj Kumar NAGPUR Signed Volume

6189 Ravindra Kumar Sharma AGRA

9501 Sachin Shukla JABALPUR 892, 864
575, 099
827, 857 686, 523
576, 423 618, 005

TOP-3 DSMs Based On Monthly Ranking 64 %
70 %
EMP_ID NAME LOCATION 90 %

10415 Devendra Nagdive NAGPUR JAN - 2016 FEB - 2016 MAR - 2016
3371 Munish Sharma CHANDIGARH
4004 Sachin Kumar CHANDIGARH % ACHIEVEMENT

VOLUME TARGET SIGNED VOLUME

TOP X - Sell SAs Of The Month

EMP_ID NAME LOCATION
NCR
9231 Puneet Mehra CHANDIGARH Applica ons
NCR
15479 Ravi Kant LUDHIANA
NCR
6951 Gautam Kumar 153, 459 148, 754 120, 767 121, 373
110, 601 118, 217
15800 Anupama

9305 Mohd Kashif 72 %
79 %
101 %

TOP-10 SAs With Highest Incentive Across Two Commodities

EMP_ID NAME LOCATION JAN - 2016 FEB - 2016 MAR - 2016

9988 Goverdhan Pa dar INDORE APPS TARGET APPLICATIONS % ACHIEVEMENT
15533 Vijay Kumar Vishwakarma BHOPAL
15887 Vikas Ghodake PUNE
5750 Sonu NCR
15745 Mohd Arif NCR
10682 Rohan Sharma LUDHIANA
15479 Ravi Kant CHANDIGARH
15436 Amir Hashmi NCR
12695 Manish Kumar BHOPAL
15666 Pranav Kumar Singh VARANASI

3

90 DAYS COOL - OFF PERIOD

Whenever a customer comes at POS, it is for you to make sure that you ask him/her whether (s)he applied for a loan with
Home Credit in the past or not.

If in case, a customer’s loan applica on was rejected (already) in the last 90 days and s(he) revisits either your or any other POSes
empanelled with Home Credit, do not process the loan applica on further.

Here’s a quick rundown of ideal ques ons that you should ask a customer :

Did s(he) apply for a loan 2 Did s(he) apply for a loan
with any other company at
1before with HCI? the same time?

If the loan was rejected 4 Did s(he) complete the 90
day cycle, prior to reapplying
3earlier? for a loan with HCI?

4

Proac ve Engage
Approach

DEAL STORMING DEAL
STORMING

Seal The Execute
Deal

Dealing with customers has never been an easy task as it perhaps looks. You have to be well prepared to bring out the best of
you infront of the customers and a ract them with your amazing sales techniques. Here’s a series of five fantas c deal
storming secrets that will help you crack more deals and master the art of sales.

ORGANIZE: Instead of thinking much or hesita ng infront of the Ask every customer on how much down payment
customer in any way, it is be er to organize work in a (s)he can afford to pay and convince the customer in
way that you can talk to the customer fluently. Don’t the best way to make maximum out of it.
make your customer wait at the POS unnecessarily.
For example: If a customer visits your POS and wishes ANALYZE: Ensure that the documents submi ed by the
to buy a phone worth INR 15,000 then you should be customer are original and to the best of his/her
quick and organized enough to assess his long term knowledge. It is for you to ensure that there’s no
credibility & start of with the applica on process room for suspicion. Check the original documents of
rather than making him wait for long. the customer to ensure:

PREPARE: Prac ce & prepare yourself like a pro. Put forth the — Document appears genuine, photo and name
exci ng offers and schemes in order to generate matches with the customer
customer’s interest to associate with HCI. Close all
deals on a lively note & ensure that customers leave — Document is valid and is not expired
your POS on a happy note. — Customer actually has all the documents that

s(he) claims to have

EXECUTE: If only making plans would have worked, then things REPORT: Once you authen cate all the documents given to
would have been different altogether. So, no ma er you by the customer, report to the back office and
what the strategies are, un l & unless those are wait for approval. This will certainly be the deciding
implemented well, desired results cannot be factor for you and the customer. Approval of the
accomplished. loan will lead to increased incen ves for you and
For instance: If you plan to convince customers to meanwhile, will add another happy customer to our
make maximum down payment, you are required to family.
execute the very same plan properly.

5

BE SMART! ACT SMARTER!

Say a Big ‘NO’ To Customers Who Are:

— Unemployed — Commission Agents
— Students — Agriculture
— Rented Income — Illiterate Persons
— Home Tui on — Housewife
— Pocket Money — Re red with no Monthly Pension

Income Source of the Customers to be taken into considera on:

— Salaried Employee: Private or Government Job
— Self Employed: Any Business (Sole Proprietorship)
— Pensioner: Re red Individual With Pension

There’s a series of ill effects that a suspicious customer brings along and thus, enlisted are the several ways via which it can be
iden fied:

Ÿ If the customer does not have a regular source of income and when being asked, s(he) hesitates and/or fumbles in any way
while answering

Ÿ Customer couldn’t tell you the right source of income, the company where s(he) works
Ÿ If the customer tries to make every possible excuse to avoid showing the documents such as office ID, bank statement, salary

slip, visi ng card, etc.
Ÿ Smart ques oning plays an important role. The smarter you act, safer it would be. To keep risks at bay, begin verifying the

details, which could be done via the documents provided to you by the customer.

6

LIST OF VALID ACCESSORIES

At HCI, accessories are only
available on finance with LAPTOP,
MOBILES, TABLETS & HOME
APPLIANCES

Valid List Of Accessories

LAPTOP HOME APPLIANCES MOBILE / TABLET

Head Phones Stabilizer Head Phones
Mouse Tripod Speaker
Keyboard Camera Hood Cases & Covers
Web Cam Camera Lenses Power Bank
Flash Drive Speaker Memory Card
Card Reader Maintenance Kit Data Cable
Scanner Stands Charger
Printer Selfie S ck Bluetooth Headset
Speakers Set-top Box
UPS HDMI Cable
Remote Camera Bag
Bluetooth Headset
An virus / OS CDs
Barcode Reader
Laptop Bags

7

DO 100% FINGER PRINT CHECK

FOR ALL TW CONTRACTS

ü FINGER PRINT CHECK HAS
TO BE DONE BEFORE THE
START OF APPLICATION FORM

ü TAKE FINGER PRINT (FP) OF
CUSTOMERS IF UID IS GIVEN
AS IDENTITY/ADDRESS PROOF

8

Meet Your Management

Himanshu Kanaujia

Manager-Training (Sales)

D.O.B - 1st January
Sun Sign - Capricorn
Nick Name - Hems, Uncle Ji, Master Ji, Baba Ji, HK
Native Town - Farrukhabad

What’s a food treat for you? - I love salads with red wine

How has the journey been so far in Home Credit? - Journey so far with HC is excellent. Work environment and

people whom I am dealing with are really good.

What would be the dream holiday, and who would you go with? - Bahamas

Whom Do You Admire The Most - My Mother

What Spoils Your Day - Backstabbing and Sarcastic comments

When You Are Not Working, You Are - Long drive or Listening music

Prior To Home Credit India, You Were Working With - Prior to Home Credit, I have worked with consumer electronics

industry for Luminous and Videocon

You Prefer Being Tagged As A ‘Social Bird’ Or A ‘Book Worm’ - I like interacting with people, listening & understanding their

problems, needs and thoughts. A "Social Bird".

3 Things You Ensure That You Don’t Leave Behind - Mobile, Wallet & Car keys
While Stepping Out Of Home

What’s the best stress buster for you - Go out alone, then shopping and eating.

Bollywood or Hollywood - Hollywood

9

Blossoming Buds: Meet T he Best SA

Goverdhan Pa dar

INDORE

Favorite Colour : White
Favorite Dessert : Bengali sweets
Dream Holiday : Kashmir
When You Are Not Working, You Are : Either listening to music or playing games
Your Picture Perfect Moment With HCI : Festive season incentive when I got a picture clicked with my DSM
Whom Do You Admire The Most : My parents
What Makes And Spoils Your Day : Talking to my parents makes my day and negativity of any sort

Best Ever Compliment From a Customer spoils my day
Success For You : I have good convincing skills
: Hard work = Success

10

Promotions of the Month

CONGR TULATIONS

Sales Associate To Senior Sales Associate

Emp_ID Name Emp_ID Name

9177 Noyal Macwan 9984 Jaswinder Singh
10111 Arjun Sharma 10012 Amkit Wankhede
9947 Shashank Tiwari 9543 Rahul Tyagi
10084 Ravindra Kumar 8970 Imran Akhtar
8938 Vaibhav Kapoor 9228 Sanjay Mehta
10061 Salma 9772 Abhimanyu Singh
8941 Shobhendra Dwivedi 9310 Sheru Chouhan
9763 Arun Panchal

11

b market
UZZ

1 Suzuki Access 2016 Bajaj V15 3
Price: INR 58,534 Price: INR 64,820

Specifica ons: Specifica ons:

Ÿ Capacity: 124 CC Ÿ 12.2-inch WQXGA
Ÿ Max power: 8.40 bhp (2560x1600 pixels) IPS
Ÿ Weight: 102 kg display with a fingerprint-
Ÿ Tubeless Tyres resistant oleophobic layer
Ÿ Fuel Tank Capacity: 6 litres
Ÿ Fuel Efficiency: 64 kmpl Ÿ Intel Core M processor with
Ÿ Brake Type: Drum 4MB of cache & 4GB RAM
Ÿ Displacement: 124 cc
Ÿ Max Power: 8.40 bhp @ 7,000 rpm Ÿ 5 MP rear-facing autofocus
Ÿ Maximum Torque: 10.20 Nm @ 5,000 rpm camera & 2 MP front-facing
shooter

Ÿ Full-size USB 3.0 ports, one
USB Type-C port for charging with USB 3.0, one Micro-
HDMI port, a 3.5mm headphone jack

Ÿ Runs Windows 10 with a 30-days trial of Office 2016

2 Samsung Galaxy S7 Bajaj V15 4
Price: INR 49,000 Price: INR 64,820

Specifica ons: Specifica ons:

Ÿ Dimensions: 142.4 x 69.6 x Ÿ Capacity: 149.50 CC
7.9 mm (5.61 x 2.74 x 0.31 Ÿ Max power: 11.80 bhp
in) Ÿ Weight: 135 kg

Ÿ Weight: 152 g (5.36 oz) Ÿ Tubeless Tyres
Ÿ Build: Corning Gorilla Glass Ÿ No. of gears: 5

4 back panel Ÿ Fuel Tank Capacity: 13
Ÿ SIM: Single SIM (Nano-SIM)
litres
or Dual SIM (Nano- SIM, Ÿ Brake Type: Disc
dual stand-by) Ÿ Displacement: 149.50 cc
Ÿ Size: 5.1 inches (~72.1% screen-to-body ra o) Ÿ Max Power: 11.80 bhp @ 7,500 rpm
Ÿ Resolu on: 1440 x 2560 pixels (~577 ppi pixel density) Ÿ Maximum Torque: 13 Nm @ 5,500 rpm
Ÿ Card slot: microSD, up to 200 GB (dedicated slot) - single-
SIM, microSD, up to 200 GB (uses SIM 2 slot) - dual-SIM
model
Ÿ Internal Memory: 32/64 GB, 4 GB RAM
Ÿ Camera– Primary: 12 MP, Secondary: 5 MP

12

Contest Corner CONGRATULATIONS

To All The Winners

EMP_ID NAME LOCATION EMP_ID NAME LOCATION
113985 Suman Mandal NCR 112342 Gopal Pareek JODHPUR
108446 Ankit NCR 112369 Manpreet Kaur LUDHIANA
107548 Sanjeev Nagar KOTA 4643 Hardeep Singh JALANDHAR
113289 Rakesh Nagar KOTA 113394 Rahul Chandra LUCKNOW
9993 Bhadauriya Ravi AHMEDABAD 109538 Samirkumar Dasarwad PUNE

Do you know Contest of the Month

INS & OUTS of

UID? Win
Exciting
Login to your E-learning portal at Prizes
[email protected]
& answer simple questions.

You just need E-learning ID and Password. Hurry! Contest closes on April 21st, 2016

Home Credit India Finance Private Limited
Send your feedback/suggestions at [email protected]

Share your success with us and win exciting prizes!
Everyone has a story to share in Home Credit, what’s yours? Your first application, first promotion, first customer, your POS

experience. Send us your story and we will share it with the rest of the sales team. Top stories will win exciting prizes.

13