Generated from prompt:
Create a professional corporate PowerPoint presentation titled 'Personal Loan Cross-Sell via Forex Card Customers'. Slide 1 — Title: Proposal: Personal Loan Cross-Sell via Forex Card Customers Objective: Incremental, low-cost Personal Loan acquisition Prepared by: [Your Name] Department: Personal Loans – Query & Complaint Management Slide 2 — Executive Summary: - Forex Card customers incur high overseas expenses - Strong contextual need for short-term liquidity - Customers already KYC-verified & travel-verified - Proposal targets 10% of forex card customers - Creates ₹768 Cr incremental PL book - Generates ~₹60 Cr annual interest income - Minimal acquisition cost Slide 3 — Market Inputs (Planning Assumptions): - Monthly Forex Card Issuance – India - Thomas Cook: 60,000 – 70,000 - Other Visa / Travel Agencies: 140,000 – 150,000 - Total Market: ~2,00,000 - Annual Forex Card Customers: 24,00,000 Slide 4 — Targeting Strategy: - Target Coverage: 10% of total forex card customers - Channels: - HDFC Bank branches - HDFC Bank forex website - Partner agencies (Thomas Cook, etc.) - Corporate employee forex programs - Annual Customers Targeted: 2,40,000 Slide 5 — Personal Loan Funnel: - Funnel Stage vs Conversion: - Targeted forex customers: 2,40,000 - Eligible & interested: 20% - PL conversion: 8% - Final PL Accounts: 3,840 per year Slide 6 — Loan Book Creation: - Product Inputs: - Minimum PL ticket: ₹2,00,000 - Interest rate: 11.35% p.a. - Incremental Loan Book: ₹768 Crore Slide 7 — Revenue Impact: - Assumptions: - Avg outstanding: 70% - Interest rate: 11.35% - Annual Interest Income: ₹61 Cr Slide 8 — Cost & Profitability: - Cost Heads: - Marketing: Nil - Customer Acquisition: Embedded - Staffing: Existing teams - Technology: Minor journey change - Outcome: - High-margin sourcing - Near-zero CAC - Controlled credit risk Slide 9 — Execution Model: - Retail: - Forex card application / reload - Consent-based PL pitch - Pre-qualification → PL team - Corporate Employees: - PL as employee benefit - HR communication - RM / digital fulfilment Slide 10 — Pilot & Success Metrics: - Pilot Scope: - Top forex branches - Forex website journey - 5–10 large corporates - KPIs: - PL leads per 1,000 forex cards - Conversion % - Avg loan ticket - Incremental loan book - Customer satisfaction Slide 11 — Risk & Compliance: - Consent-based selling only - No forced cross-sell - Credit policy unchanged - RBI-compliant disclosures - Clear audit trail Slide 12 — Final Recommendation: Targeting just 10% of forex card customers can create an incremental ₹768 Cr Personal Loan book and ~₹60 Cr annual interest income using existing infrastructure and minimal incremental cost.
Proposal targets 10% of 2.4M forex card customers for low-cost personal loan acquisition via branches/partners. Yields 3,840 accounts, ₹768Cr book, ₹61Cr annual income; zero marketing CAC, pilot-ready
This title slide is titled "Personal Loan Cross-Sell via Forex Card Customers." Its subtitle outlines the objective of achieving incremental, low-cost personal loan acquisition.
Objective: Incremental, low-cost Personal Loan acquisition
Source: Slide 1 — Title
Forex Card customers face high overseas expenses and strong short-term liquidity needs, being pre-KYC and travel-verified. Targeting 10% of them creates a ₹768 Cr incremental PL book, generating ~₹60 Cr annual interest income at minimal acquisition cost.
Source: Personal Loan Cross-Sell via Forex Card Customers
The slide outlines market inputs for planning assumptions, showing monthly issuance of 60,000–70,000 for Thomas Cook and 140,000–150,000 for other agencies, totaling ~200,000. It also lists annual forex card customers at 2,400,000.
{ "headers": [ "Metric", "Value" ], "rows": [ [ "Monthly Issuance - Thomas Cook", "60,000–70,000" ], [ "Monthly Issuance - Other Agencies", "140,000–150,000" ], [ "Total Monthly Issuance", "~200,000" ], [ "Annual Forex Card Customers", "2,400,000" ] ] }
The targeting strategy aims to capture 10% of total forex card customers, equating to 240,000 annually. It leverages HDFC Bank branches, the forex website, partnerships like Thomas Cook, and corporate employee programs.
The Personal Loan Funnel starts with 240,000 targeted customers from annual forex card targets, with 20% (48,000) being eligible and interested. Of those, 8% convert to approved loans (19,200), yielding 3,840 final new accounts per year.
Annual forex card targets
Of targeted customers (48,000)
Eligible to approved loans (19,200)
New accounts per year
The Loan Book Creation slide specifies a minimum PL ticket of ₹2,00,000 at 11.35% p.a. interest. It projects 3,840 annual PL accounts, yielding an incremental loan book of ₹768 Crore.
The Revenue Impact slide shows an incremental loan book of ₹768 Cr from targeted conversions, with a 70% average outstanding planning assumption. At an 11.35% annual interest rate, this projects ₹61 Cr in annual interest income.
From targeted conversions
Planning assumption
Applied annually
Projected revenue impact
This slide outlines negligible costs: zero marketing, embedded acquisition in processes, existing staffing, and minor tech adjustments. The outcome is high-margin profitability with near-zero CAC and controlled credit risk.
The Execution Model slide outlines Retail execution by targeting forex card customers during application or reload with consent-based Personal Loan pitches, pre-qualification, and lead handover to the PL team. For Corporate, it positions loans as employee benefits in forex programs via HR communications, with fulfillment through Relationship Managers or digital channels.
| Retail | Corporate |
|---|---|
| Target retail customers during forex card application or reload. Deliver consent-based Personal Loan pitch. Conduct pre-qualification and seamlessly hand over qualified leads to the PL team for fulfillment. | Position Personal Loan as an employee benefit in corporate forex programs. Leverage HR communications for awareness. Enable fulfillment via Relationship Managers or digital channels. |
The slide defines the pilot scope as top forex branches, website journeys, and 5-10 corporates. It lists key success KPIs: leads per 1,000 forex cards, conversion %, average ticket size, incremental loan book, and customer satisfaction.
Risk & Compliance emphasizes strictly consent-based selling, no forced cross-sells, and unchanged credit policy. It ensures full RBI-compliant disclosures and a clear, complete audit trail.
The final recommendation targets 10% of forex customers to create a ₹768 Cr PL book generating ~₹60 Cr income using existing infrastructure at minimal cost. This approach drives strategic growth with zero customer acquisition cost (CAC).
Target 10% forex customers for ₹768 Cr PL book & ~₹60 Cr income via existing infra, minimal cost.
Strategic Growth with Zero CAC
Source: Personal Loan Cross-Sell via Forex Card Customers
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