Add-on Loan

Offer an additional loan to active customers already servicing one well. Target: Rs 500 cr.

Vertical: Program · Status: ⬜ Planned Back to Program · workflows index

Who it targets

A1.1 - active base, current on repayments, with headroom against their assessed capacity.

Trigger

Eligibility recalculation on a schedule, plus event triggers (repayment milestone, credit score refresh).

Flow

score active base for headroom
        |
eligibility + affordability check        <- must be the gate, not the message
        |
personalised offer generation            [Creative Agent]
        |
compliance review - lending copy         [Compliance Agent]
        |
dispatch - WA Bot - App - Digital Web    [A5 dispatcher]
        |
route to application journey -> branch or digital

Data it needs

Needs	Have
Repayment history	⬜
Assessed capacity / headroom	⬜
Existing exposure across products	⬜
Current rate card	⬜

Agents involved

Creative Agent - Compliance Agent. Lending offers are the highest-risk copy in the Program set.

Blocked on

CRM integration - not started. Without customer records there is no base to select from.

See Program dependencies.

Roadmap source

Page 2 - A1.1 -> Add on Loan - 500 cr — see roadmap_ref_extracted.md.

Design notes

Affordability gates the offer, not the copy. Never message someone the product cannot be extended to; a declined application after a targeted offer is worse than no offer at all.
A rate quoted in outbound copy is a promise, not a report. The Compliance Agent already draws exactly this distinction when judging drafts.