DSA / Channel Partner AI

INVOKED WHEN: a new DSA is proposed for empanelment

• –Runs the onboarding documentation checklist against the LSP Governance Agent AI's requirements: legal entity status, GST registration, AMFI/IRDAI registration where required, FPC training evidence, data protection acknowledgement, and the signed DSA agreement with commission terms, conduct obligations, and clawback provisions.
• –Checks the DSA principal's background — prior regulatory actions, borrower complaints with other lenders, or negative media — and produces an onboarding clearance report. Does not approve the empanelment; delivers the report to the DSA manager for the decision.
• –Configures the DSA's lead upload access and commission tracking in the CRM once the DSA manager confirms empanelment.

INVOKED WHEN: weekly pipeline review is due

• –Reads the CRM pipeline for every lead attributed to each DSA — tracking from submission through application, credit assessment, sanction, and disbursement. Computes the conversion rate at each stage: leads to applications, applications to sanctions, sanctions to disbursements.
• –Computes the quality-adjusted conversion rate — net of applications declined, withdrawn due to fraud flags, or resulting in an early NPA. A DSA with a 60% application-to-sanction rate but a 15% fraud flag rate has much lower quality-adjusted performance than one with a 50% rate and a 2% fraud flag rate.
• –Produces the weekly lead conversion report by DSA — flagging DSAs whose quality-adjusted conversion has deteriorated significantly in the trailing 4 weeks.

INVOKED WHEN: the monthly commission cycle is due and disbursement data is confirmed in CBS

• –Reads CBS disbursement confirmations for the period and computes commission payable to each DSA — applying the commission rate from the DSA agreement, eligibility conditions, and any clawback obligations (where a prior disbursement that generated commission has gone NPA within the clawback period).
• –Produces the commission payable statement for each DSA — gross commission, clawback deductions, and net payable — for DSA manager review and finance team authorisation.