UC-292
Lending-Rate & Yield-Defence Recommender
Recommends lending rates by segment from yield, churn, competitor and funding data - defending NIM without losing the book.
6-8Build Duration
TBDIndicative ROI
The Challenge
Rate decisions are taken without a joined view of yield, churn, competitor rates and cost of funds - on a book where each 0.1% of NIM is worth ~INR 51 cr a year.
How It Works
- Ingests yield, churn, competitor rate and cost-of-funds data.
- Elasticity and margin models score rate options per segment.
- Returns rate recommendations with expected NIM and churn impact.
What It Removes
- Uninformed rate setting
- Unmeasured churn trade-offs
- Manual competitor comparison
Input Data RequirementsYield data, churn history, competitor rates, cost of funds
Output FormatSegment rate recommendations, expected NIM and churn impact
“Every rate decision knows what it does to margin - and to the customers who might walk.”