Visibility, delegation, reports and follow-ups for every branch.
One voice note, in Hindi, Hinglish or English.
KlayPod's AI Agent for microfinance works on WhatsApp. It reads your branch MIS in Google Spreadsheets and Google Docs, answers in seconds, assigns the work to your branch managers and makes sure it gets done.
- Google Spreadsheets
- Google Docs
- Voice or text
“Loan Book October sheet ke base pe batao PAR 30 kis branch mein sabse zyada badha is month, aur us branch manager ko kal shaam tak recovery plan bhejne ka task do.”
- Jhadol rose most this month
- PAR 30: 6.8%, up 2.1 points
- Task sent to Suresh Meena (BM Jhadol)
- Recovery plan due tomorrow 6 PM
- Reminder to Suresh tomorrow 4 PM
From head office to every branch, one WhatsApp number.
Each person asks in their own words, by voice or text. KlayPod answers from your Google Spreadsheets and Google Docs, and turns instructions into tasks with owners and deadlines.
Founder / COO
See who is late on what, across every branch
Every task you gave this week, with the ones running late, and a reminder sent to each owner.
“Is hafte branch managers ko jo kaam diye the, unme se kaun se pending hain aur kaun late hai? Late walon ko yaad dila do.”
This week: 14 tasks to branch managers. 9 done, 2 pending, 3 late.
| Branch | BM | Task | Status |
|---|---|---|---|
| Jhadol | Suresh | PAR 30 recovery plan | Late 1 day |
| Kotra | Anita | Group meeting attendance | Late 2 days |
| Gogunda | Mahesh | Cash audit sign-off | Late 1 day |
| Salumber | Neha | New centre survey | Due Sat |
| Kherwara | Imran | Staff training list | Due Sat |
✓ Reminders sent to Suresh, Anita and Mahesh
Regional manager
Chase overdue groups, region-wide
Top overdue groups, sent straight to the loan officer who owns each one.
“Overdue Groups Udaipur Region sheet ke base pe top 5 overdue groups bhejo, loan officer ke naam ke saath, aur har loan officer ko unki list bhej do.”
Top 5 overdue groups in Udaipur region:
| Group | Branch | Overdue | LO |
|---|---|---|---|
| Laxmi JLG | Jhadol | ₹18,400 | Ramesh |
| Durga JLG | Kotra | ₹15,900 | Pooja |
| Sarita JLG | Jhadol | ₹12,250 | Ramesh |
| Ganga JLG | Gogunda | ₹9,800 | Vikas |
| Kiran JLG | Kotra | ₹8,600 | Pooja |
✓ Lists sent to Ramesh, Pooja and Vikas
Branch manager
Close the day in one voice note
Today's collection goes into the Google Spreadsheet, and the misses become tomorrow's follow-ups.
“Jhadol Branch Daily Collection sheet mein aaj ka collection 4.2 lakh daal do, aur jin 3 groups ne payment nahi kiya unke liye Ramesh ka kal ka follow-up task bana do.”
Done ✅ ₹4,20,000 added for today in Jhadol Branch Daily Collection.
| Date | Collected | Missed groups |
|---|---|---|
| 26 Oct | ₹4,20,000 | Laxmi, Durga, Sarita |
✓ Ramesh: visit Laxmi, Durga, Sarita · tomorrow 10 AM
Credit manager
See why applications get rejected
Bureau rejections broken down by reason, so you can fix sourcing, not guess.
“Credit Bureau Rejections sheet ke base pe batao is hafte kitne applications reject hue aur kyun. Chart bhi bhejo.”
40 of 212 applications rejected this week (19%). Top reason: over-leveraged borrowers.
Risk manager
Catch trouble before it becomes PAR
Borrowers who missed two EMIs, with a follow-up task for each loan officer.
“Repayment Tracker sheet ke base pe jin borrowers ne 2 kisht miss ki hain unki list bhejo, aur har ek ka follow-up task bana do.”
6 borrowers have missed 2 EMIs:
| Borrower | Branch | Missed | LO |
|---|---|---|---|
| Kamla Devi | Jhadol | 2 | Ramesh |
| Sunita | Kotra | 2 | Pooja |
| Meera Bai | Kotra | 2 | Pooja |
| Rukmani | Gogunda | 2 | Vikas |
| +2 more |
✓ 6 follow-up tasks created · due in 2 days
Audit & compliance
Close audit points on time
Open observations by branch, straight from the audit report, sent back as a PDF presentation.
“Internal Audit Observations Q2 doc ke base pe batao kis branch ke points abhi bhi open hain, aur kitne high risk hain. Iska ek PDF presentation bana ke bhej do.”
7 points still open from the Q2 audit:
| Branch | Open | High risk | Oldest |
|---|---|---|---|
| Jhadol | 4 | 2 | 41 days |
| Kotra | 2 | 0 | 18 days |
| Salumber | 1 | 1 | 9 days |
✓ Presentation ready: summary, branch-wise open points, high-risk items and owners.
Care for a demo?
We'd be happy to walk you through it with your leadership and branch teams, in person or over a call, whichever works for you.