The Five Rules
Relevance meets timing
Rule 01
Read the signal, not the score
Early repayments
Pre-approve for a top-up loan or higher limit.
6+ months clean history
Qualify for the next product tier.
Salary growth year on year
Offer a higher ticket size or premium product.
Repeat small loans
Consolidate into a larger loan or credit line.
CDP layer: combines repayment, income and behavioral data to reveal readiness signals beyond credit scores.
Rule 02
Climb the ladder, don't skip rungs
Each step is earned through repayment behavior, not unlocked by score alone.
Step 01
Entry loan
First borrowing experience.
Month 3+
Top-up
Available after a clean repayment cycle.
Month 6+
Credit line
Unlocked through sustained positive behaviour.
Graduation
Secured product
Backed by deposits or assets.
CDP layer: tracks progression in real time, unlocking the next offer when qualifying behavior is achieved.
Rule 03
Three golden windows
Miss the window and the same product feels like spam. Land in it and it feels like a gift.
Month 3 — first clean repayment cycle
Offer: top-up or add-on.
Month 6 — mid-loan behavioural check
Offer: credit line introduction.
30 days before closure
Offer: renewal or upgrade.
CDP layer: tracks customer milestones in real time, ensuring offers land when relevance is highest.
Rule 04
Never cross the DTI line
SafeBelow 40% DTI
Adjust40–50%: reduced ticket or extended tenure
DeclineAbove 50%: the answer is always no
CDP layer: maintains a real-time financial profile, ensuring every offer is DTI-checked before delivery.
Rule 05
Know your archetype
Match the product to the profile, not to the opportunity.
The Climber
Rising income, limited history. Approach with incremental steps and lower ticket sizes.
The Anchor
Stable income, long tenure. Suited for secured upgrades or a higher credit line.
The Recycler
Repeat borrower, ready to transition to a revolving credit line.
The Stressor
Irregular payments, high exposure. Remove from the cross-sell queue immediately.
