MIS & Reporting Agent AI

Invoked when: the daily 6 AM scheduled run begins — all source systems queried and the ops pack assembled and dispatched before 7 AM

• –Queries all source systems at 6 AM and assembles the daily ops pack in a standardised format — a single document that gives the COO a complete view of the prior day's operations before their first meeting. The pack covers: (1) origination — applications received, approved, and declined in the prior day, approval rate, and the top 3 decline reasons; (2) disbursement — loans disbursed (count and value), average disbursement TAT for the day vs the 7-day average, and any disbursements that breached the TAT SLA; (3) collections — DPD bucket movements (borrowers entering and exiting each bucket), same-day collection efficiency (payments received as a percentage of payments due), and recovery on written-off accounts; (4) quality — QC Agent AI's error rate for the prior day's sample; (5) operations — active applications in each stage, count of applications on hold and hold reason summary, and SLA breach count for the prior day.
• –Flags anomalies automatically in the pack — any KPI that has moved more than 15% from the prior week's equivalent value receives a bold anomaly note immediately below the metric: "Disbursement TAT: 38 hours (↑ 22% vs last Tuesday's 31 hours — review stage 4 processing). " The anomaly note includes the specific metric, the magnitude of the movement, the direction, and the stage or category most likely responsible, to save the COO the step of identifying where in the operations the movement originated.
• –Calibrates the narrative to the COO's reading pattern — the ops pack opens with a 3-sentence executive summary (yesterday in one sentence, the key anomaly in one sentence, and the one action recommended for today in one sentence), followed by the full metric tables. The COO who reads only the executive summary has the essential context for their morning decisions; the COO who reads the full pack has the complete operational picture.

Invoked continuously for the live dashboard; weekly TAT report for branch performance runs every Monday alongside the weekly performance report

• –Maintains a live SLA dashboard that refreshes every 15 minutes throughout business hours — showing all active applications with their current stage, elapsed time at stage, cumulative TAT, and SLA status (green / amber / red based on the SLA thresholds from the Onboarding SLA Agent AI). The dashboard is the ops head's intraday tool — the daily ops pack tells them what happened yesterday; the live dashboard tells them what is happening now. Branch managers access a filtered view of their own branch's live status.
• –Tracks TAT across the full origination-to-disbursement journey for every active application — broken down into the individual stage times (KYC, QC, credit assessment, sanction, documentation, disbursement) so that the ops head can see where time is accumulating rather than just the total TAT. A total TAT of 72 hours that breaks down as 48 hours in credit assessment and 24 hours across all other stages is a different problem from a 72-hour TAT that is distributed evenly — the breakdown determines the intervention.
• –Produces the weekly branch TAT report covering all 50 branches — ranking branches by their average origination-to-disbursement TAT for the week, identifying the fastest and slowest branches, and flagging branches whose TAT has deteriorated more than 20% relative to the prior 4-week average. The branch comparison surfaces whether TAT problems are systemic (affecting all branches — likely a platform or process issue) or local (affecting specific branches — likely a capacity or supervisory issue).

Invoked when: Monday weekly cycle runs, or an on-demand report request is received from an authorised user

• –Assembles the weekly performance report every Monday by 8 AM — a comprehensive view of the prior week's operations across all functions, formatted for the ops leadership team's Monday review meeting. The weekly report covers the same 5 operational areas as the daily pack but with a week-on-week comparison, a 4-week trend for each KPI, and a commentary section that contextualises the week's movements in relation to the prior period. The weekly report includes the branch performance ranking, the agent productivity summary (applications processed per agent per day by branch), and the quality summary (QC error rate trend and the top 3 error categories for the week).
• –Delivers on-demand reports within 10 minutes of a request from an authorised user — COO, ops head, branch head, or any leadership team member with MIS access. On-demand reports can be standard templates (the daily pack for a prior date, a specific branch's 30-day performance, a specific product's TAT breakdown) or ad-hoc queries (all applications in credit assessment for more than 5 days, disbursement volumes by borrower segment for the prior quarter). Ad-hoc queries that require data not available in the standard MIS are flagged as requiring a custom data pull from the technology team.
• –Maintains a report library — the archive of all delivered reports, available for retrieval by date, report type, and recipient. The report library is the evidence base for audits and management reviews where historical operational performance data is needed; every report delivered is retained in its original format with the timestamp of delivery.