referral partner / Channel Partner AI

INVOKED WHEN: a new referral partner is proposed for enrollment

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

INVOKED WHEN: weekly pipeline review is due

• –Reads the CRM pipeline for every lead attributed to each referral partner — tracking from submission through application, credit assessment, approval, and disbursement. Computes the conversion rate at each stage: leads to applications, applications to approvals, approvals to disbursements.
• –Computes the quality-adjusted conversion rate — net of applications declined, withdrawn due to fraud flags, or resulting in an early NPL. A referral partner with a 60% application-to-approval 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 referral partner — flagging referral partners 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 referral partner — applying the commission rate from the referral partner agreement, eligibility conditions, and any clawback obligations (where a prior disbursement that generated commission has gone NPL within the clawback period).
• –Produces the commission payable statement for each referral partner — gross commission, clawback deductions, and net payable — for referral partner manager review and finance team authorisation.