The Challenge

The client required a centralized platform to manage their microfinance credit ecosystem—including agent performance, credit disbursement, repayment tracking, defaulter monitoring, and commission insights. The main challenge was consolidating fragmented credit data and enabling real-time visibility into repayments, overdue credits, and portfolio risk while keeping the interface clean and scalable.

Scope of the Project

– Build a unified dashboard for Admins and Supervisors to monitor all credit operations.
– Provide modules to manage agents, track credit disbursements, repayments, and commissions.
– Enable defaulter identification with overdue and repayment trend tracking.
– Integrate regional and risk-based analytics to monitor performance variations.
– Design workflows for real-time monitoring and proactive intervention.

The Solution

Dashboard Overview Panels
– Summary cards for Total Agents, Credit Issued, Amount Repaid, Outstanding Amount, Disbursements, and ROI.
– Color-coded indicators for MTD performance tracking.
Credit & Risk Analytics
– Donut and bar charts for credit distribution by risk slabs (High, Medium, Low).
– Time-series graphs for repayment trends and overdue amounts.
Defaulter Tracking
– Automated alerts for overdue repayments.
– Drill-down views to identify high-risk agents and borrowers.
Agent & Commission Management
– Agent scorecards with performance ratings (A+ to C).
– Commission tracking linked to disbursement and repayment success.
Regional Insights
– Maps and charts showing credit distribution and overdue patterns by region.
– Comparative analysis to identify underperforming areas.
Navigation & Workflow Enhancements
– Sidebar navigation for Credit Management, Agent Details, Defaulter List, and Reports.
– Search and filters for quick access to agent or regional data.
– Pagination and export options for handling large datasets.

Business Impact

– Improved Efficiency: Reduced manual tracking and reporting time by 40%.
– Better Risk Management: Early detection of defaulters lowered credit default rates by 25%.
– Increased Transparency: Real-time monitoring boosted trust between supervisors and agents.
– Revenue Growth: Smarter commission tracking increased agent performance and repayment rates.
– Scalability: A future-ready system that can expand with growing credit portfolios.

Technology Used

• – React.js
• – Django Rest Framework