Credit Card Department

Key Performance Indicators (KPI)

The frame work of KPI has been divided broadly into two parts.
1) The Total Marks to be allotted for quantifiable measurable criteria are 80.
2) The remaining 20 marks are reserved for measurement of qualitative area which
includes strategic initiative taken to connect with the existing card holders for making
profits on the ”Back End” As we depend more on repeat business than initial sales and
most of our card profits occur when customers repeat purchase using our card again
and again, one should be doing everything possible to motivate as many customers
as he can to make their initial card usage decision as quickly and easily as possible.
HR initiatives to build cordial relationship with their team and maintain their trust and
bring out maximum output and stricter compliance of HO Guidelines and RBI directions
and achieve high standard of housekeeping are examples of qualitative factors

A. QUANTATIVE PARAMETERS; 80
PARAMTER MAXIMUM MARKS Improvement
required to get full
marks compared to
previous year or
Reason for non-
achievement
I) Business Performance
a Target Card Sale 20
b Card Activation 15
c Card repeat / active 15
users
d Cost (overhead) as % 10
of total income
II) NPA Management
e Impaired Assets as % 20
Credit Card Advance
Total 80
The marks scored below maximum level will be evaluated on proportionate basis of
achievement. Marks obtained in fraction will be rounded off to nearest unit.

B. Qualitative Parameters 20
PARAMTER MAXIMUM MARKS Rationale
a Efforts taken for 5
marketing pre-
approved credit card
b Efforts taken for 5
making card activation
and card holders

1
 active and repeat
users

c Efforts taken for 5

imparting training to
credit card team and
better housekeeping.
d Efforts taken for 5
maintaining 100%
compliance in audit
reports
Total 20
Grand Total 100
Marks are given based on the yardstick on what is expected vis-à-vis what is achieved.
The marks scored below maximum level will be evaluated on proportionate basis of
evaluating performance. Marks obtained in fraction will be rounded off to nearest unit.