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Explore credit training module
Tarika Seth
Created on October 22, 2024
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Transcript
EXPLORE Credit
Training Module
PRESS here to Start
INTRODUCTION
Welcome to the Loan Support Academy! Today is your first day. As a new joinee, you start as a "Loan Junior." Your goal is to climb the corporate to become a "Master Loan Advisor." Along the way, you encounter different challenges, such as skeptical customers, compliance barriers, and changing loan policies. Your mission is to help customers complete their journey successfully, ensuring their financial needs are met. You might have to answer questions along the way,which will help you get the numbers to a final passcode. ensure you do not lose all your lives!
© 20XX GENIALLY ESCAPE GAMES
HI-SCORE
232323
6.Collections
5.Originate loans
High and low risk loans
1. Explore Credit
2. Our customer
3.Coupon codes and loan amounts
Your journey ahead looks like:
Map of our universe
MENU
Introduction
Theory
missions
© 20XX GENIALLY ESCAPE GAMES
HI-SCORE
232323
Theory Lessons
Once you finish a lesson, you can go do its mission!You can also complete all the lessons and go to missions directly.
ExploreCredit
Our customer
Coupons & loan amounts
Process
We work for explore credit. Explore Credit is a short-term installment lender. Our parent company is Hive Financial Services. The connection between the two companies:
About uS
© 20XX GENIALLY ESCAPE GAMES
Explore credit
Explore credit
Our job is divided into two parts: Originate loans: meaning you convince people to take a loan with us. Collect payments: meaning you have to convince people to pay us back.
What do we do?
© 20XX GENIALLY ESCAPE GAMES
Explore credit
Explore credit
- We offer loans in 35 states.
- Loans between $500-$2500; terms are 8-12 months to pay back.
- This is a high-interest product. Our interest rates are between 400%—795%
- Check explorecredit.com for more info
How do we do that?
© 20XX GENIALLY ESCAPE GAMES
Explore credit
Explore credit
- Many of our borrowers have low or no credit history. We mitigate this higher credit risk by charging higher interest rates.
- Yet, to make this easier on the customer, we offer flexible repayment options and thus have a lot of repeat customers
- Unlike most high-interest lenders who expect repayment within 1-2 weeks, we give our customers up to a year to pay off their loans.
Why are our interest rates so high?
© 20XX GENIALLY ESCAPE GAMES
Explore credit
MISSIONS
Complete the missions to obtain the password numbers
1 SHIPS
2 PUZZLE
PASSWORD
3 BARS
4 FROG
LEVEL 1/5
How many states do we operate in?
35
37
27
Correct!
We operate in 35 states
OOPs you lost a life!
Try again?
yes
NO
LEVEL 2/5
Can we offer loans for 5000 $ at a 1000% interest rate?
YES
NO
Maybe
Correct!
Our loan maximum is 2500$ and our maximum interest rate is 750%
This is incorrect. Our loan maximum is 2500$ and our maximum interest rate is 750%
OOPs you lost a life!
Try again?
yes
NO
LEVEL 3/5
Even though we have high interest rates, why do we have repeat customers?
because we give them different options to repay us
Because we give everyone loans
because we do not always take the money back
Correct!
We have many options they can use to pay us back: bank, debit card, paypal etc. We also give them a full year to repay and offer coupon codes to help lower interest rates.
This is incorrect. It is becasuse of the many options we provide them for when and how they pay us back. We have many options they can use to pay us back: bank, debit card, paypal etc. We also give them a full year to repay and offer coupon codes to help lower interest rates.
OOPs you lost a life!
Try again?
yes
NO
CONGRATULATIONS!
You have completed the Explore Credit MissionTHE NUMBER OF THIS MISSION IS 1
6.Collections
5.Originate loans
High and low risk loans
1. Explore Credit
2. Our customer
3.Coupon codes and loan amounts
Your journey ahead looks like- click on the plus icon
Map of our universe
- Income: >65 K
- Age: 45-65
- Credit Score: <650
- They need the loan usually cover to cover unpredicted expenses or get them by till their next paycheck
- They usually have thinfile credit
Who is our customer
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Customer
Customers can apply for a loan with us 3 ways:1, Lead providers 2. Via our website - www.explorecredit.com 3. OR if they are repeat customers, they can apply for a loan from the customer portal
How do customers find us?
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Customer
Customers typically apply on partner websites. That site will digitally send their application to us to underwrite, if they pass our underwriting, we will pre-approve them for a loan and their information shows up on the LMS for our customer service team to call. Sometimes, our customers will not know who we are because they didn’t directly apply with us. They use third party google websites which then direct them to us
Where do our customers come from?
© 20XX GENIALLY ESCAPE GAMES
Customer
Do not be surprised if they do not know explore credit when you introduce yourself You can use language like:"You may have applied on our partners website but we are the ones who will provide you with the loan"
What does this mean?
© 20XX GENIALLY ESCAPE GAMES
Customer
PASSWORD
MISSIONS
Complete the missions to obtain thepassword numbers
1 SHIPS
2 PUZZLE
3 BARS
4 FROG
LEVEL 1/5
Is it possible to have customers with a high credit score?
NEXT
NO
YES
Maybe
Correct!
Some have good credit scores. Most of our customers have thin file credit, which means that they do have little or no credit information available. They could have mostly cash transactions or low age
This is incorrect. It is possible for them to have high scores. However, Most of our customers have thin file credit, which means that they do have little or no credit information available. They could have mostly cash transactions or low age
OOPs you lost a life
Try again?
yes
NO
LEVEL 2/5
What is thin file credit
NEXT
Little to know credit available/Bad credit info is present
Mostly cash Transactions/low age)
ALL the Above
Correct!
Well done, all of these aspects make up thin credit
Yes, but all of the options actually make up thin credit
OOPs you lost a life
Try again?
yes
NO
LEVEL 3/5
Can we give a loan to someone who does not fit the bill of our traditional customer?
NEXT
Yes
No
maybe
Correct!
As long as they are above 18 and have provided the correct documents, we can provide the loan. Ensure that underwriting has not put a hold on things
As long as they are above 18 and have provided the correct documents, we can provide the loan. Ensure that underwriting has not put a hold on things
OOPs you lost a life
Try again?
yes
NO
CONGRATULATIONS!
You have completed the Customer MissionTHE NUMBER OF THIS MISSION IS 2
6.Collections
5.Originate loans
High and low risk loans
1. Explore Credit
2. Our customer
3.Coupon codes and loan amounts
Your journey ahead looks like:
Map of our universe
- Offer a different loan amount
- Offer a lower coupon code
- ASK why they are not interested
- ASK what we can do to make this the right loan for them
- Let them know that they can pay it off early and that there is no prepayment penalty
- NEVER leave a call and just accept no for an answer.
How else do we convince customers?
© 20XX GENIALLY ESCAPE GAMES
Coupons and Loan amounts
Coupons are what we use to convince customers. We use them in two different ways: When a customer indicates they are no longer interested – try to convince them with a coupon code. When a customer indicates the interest rate is too high, offer a coupon code to reduce the interest rate.
What are coupons?
© 20XX GENIALLY ESCAPE GAMES
Coupons and Loan amounts
New coupon codes are generated each week and shared with agents. If a coupon code is expired, or if a customer mentions it is expired, let your manager know.
Where do you find coupon codes?
© 20XX GENIALLY ESCAPE GAMES
Coupons and Loan amounts
What coupon code application looks like
© 20XX GENIALLY ESCAPE GAMES
Coupons and Loan amounts
It allows us to meet the needs of the customer based on the rules or approval from underwriting. If a person has applied for a 500 $ loan but has only been approved for 350 dollars, instead of cancelling the loan all together, we would ask them to resign the loan document and provide them with their approved amount. It is then up to the customer if they would like to still go ahead or cancel the application
What do different loan amounts do?
© 20XX GENIALLY ESCAPE GAMES
Coupons and Loan amounts
PASSWORD
MISSIONs
Complete the missions to obtain the password numbers
1 SHIPS
2 PUZZLE
3 BARS
4 FROG
LEVEL 1/5
If you heard: "Explore credit? I never used explore credit please stop calling me" on the phone what would you respond?
Am I speaking to "customer name" from "hometown" and did you apply for a loan?
Delete the number from our system
Okay (person's name) thank you, sorry for bothering you.
Correct
Never just hang up, always reconfirm details and see what you can do to help
Never just hang up, always reconfirm details and see what you can do to help
OOPS you lost a life
CONTINUE?
yes
NO
6.Collections
5.Originate loans
High and low risk loans
1. Explore Credit
2. Our customer
3.Coupon codes and loan amounts
Your journey ahead looks like:
Map of our universe
6.Collections
5.Originate loans
High and low risk loans
1. Explore Credit
2. Our customer
3.Coupon codes and loan amounts
Your journey ahead looks like:
Map of our universe
6.Collections
5.Originate loans
High and low risk loans
1. Explore Credit
2. Our customer
3.Coupon codes and loan amounts
Your journey ahead looks like:
Map of our universe
LEVEL 2/5
Did you know that images illustrate what you want to convey and are a support to add additional information?
Write the incorrect answer here
Write the correct answer here
Write the incorrect answer here
LEVEL 3/5
Did you know that images are a support to add information?
Write the correct answer here
Write the incorrect answer here
Write here the wrong answer
LEVEL 4/5
Did you know that images are a support to add info?
Write the incorrect answer here
Write the incorrect answer here
Write the correct answer here
LEVEL 5/5
Did you know that images are a support to add information?
Write the wrong answer here
Write the incorrect answer here
Write the correct answer here
CONGRATULATIONS!
THE NUMBER OF THIS MISSION IS 3
GAME OVER
CONTINUE?
yes
NO
PASSWORD
missions
Complete the missions to obtain thenumbers of the password
1 SHIPS
2 PUZZLE
3 BARS
4 FROG
LEVEL 1/3
Did you know that Genially allows you to share your creation directly, without the need for downloads?
Write the incorrect answer here
Write here the incorrect answer
Write the correct answer here
LEVEL 2/3
Did you know that images are a support to add info?
Write here the incorrect answer
Write the correct answer here
Write the incorrect answer here
LEVEL 3/3
Did you know that images are a support to add info?
Write the incorrect answer here
Write the incorrect answer here
Write the correct answer here
CONGRATULATIONS!
THE NUMBER OF THIS MISSION IS 4
GAME OVER
CONTINUE?
yes
NO
PASSWORD
missions
Complete the missions to obtain thepassword numbers
1 SHIPS
2 PUZZLE
3 BARS
4 FROG
Introduce la contraseña correcta 👾
Números conseguidos de las misiones
Are you sure you want to exit?
You will lose all the progress
yes
NO
Are you sure you want to exit?
You will lose all the progress
yes
NO
Are you sure you want to exit?
You will lose all the progress
yes
NO
Are you sure you want to exit?
You will lose all the progress
yes
NO
MIsSION:EXplore
Check your understanding with the following questions
CONTINUE
nameplayer
I am a cool subtitle, ideal for providing more context about the topic you are going to address
NO
Are you sure you want to exit?
You will lose all the progress
yes
MISSIONCustomer
Check your understanding with the following questions
CONTINUE
Missionbars
I am a cool subtitle, perfect for providing more context about the topic you are going to discuss
CONTINUE
Are you sure you want to exit?
You will lose all the progress
yes
NO
Are you sure you want to exit?
You will lose all the progress
yes
NO
Are you sure you want to exit?
You will lose all the progress
yes
NO
Are you sure you want to exit?
You will lose all the progress
yes
NO
Are you sure you want to exit?
You will lose all the progress
yes
NO
Are you sure you want to exit?
You will lose all the progress
yes
NO
Are you sure you want to exit?
You will lose all the progress
yes
NO
Are you sure you want to exit?
You will lose all the progress
yes
NO
MISSIONfrog
I am a cool subtitle, perfect to provide more context about the topic you are going to discuss
CONTINUE
Are you sure you want to exit?
You will lose all the progress
yes
NO
nameplayer
I am a cool subtitle, ideal to provide more context about the topic you are going to address
Are you sure you want to exit?
You will lose all the progress
yes
NO
Are you sure you want to exit?
You will lose all the progress
yes
NO
Are you sure you want to exit?
You will lose all the progress
yes
NO
Are you sure you want to exit?
You will lose all the progress
yes
NO
Next
EXplore Credit
This is where you will learn about Explore credit and what is it that we do
- What do we do ?
- How do we do that?
- Why are things the way they are?
Next
Our Customer
Here we will explore who is our customer.
- Who is our customer?
- Where do they come from?
- Thin file credit
- Convincing the customer
Got an idea?
Use this space to add awesome interactivity. Include text, images, videos, tables, PDFs... even interactive questions! Premium tip: Get information on how your audience interacts with your creation:
- Visit the Analytics settings;
- Activate user tracking;
- Let the communication flow!
Coupon codes and Loan amounts
Here we learn about what are the things we can use to convince customers
- What are coupons?
- Where can you find coupon codes?
- Different Loan amounts
Got an idea?
Use this space to add awesome interactivity. Include text, images, videos, tables, PDFs... even interactive questions! Premium tip: Get information on how your audience interacts with your creation:
- Visit the Analytics settings;
- Activate user tracking;
- Let the communication flow!
Got an idea?
Use this space to add awesome interactivity. Include text, images, videos, tables, PDFs... even interactive questions! Premium tip: Get information on how your audience interacts with your creation:
- Visit the Analytics settings;
- Activate user tracking;
- Let the communication flow!
Got an idea?
Use this space to add awesome interactivity. Include text, images, videos, tables, PDFs... even interactive questions! Premium tip: Get information on how your audience interacts with your creation:
- Visit the Analytics settings;
- Activate user tracking;
- Let the communication flow!
Next
EXplore Credit
This is where you will learn about Explore credit and what is it that we do
- What do we do ?
- How do we do that?
- Why are things the way they are?
Got an idea?
Use this space to add awesome interactivity. Include text, images, videos, tables, PDFs... even interactive questions! Premium tip: Get information on how your audience interacts with your creation:
- Visit the Analytics settings;
- Activate user tracking;
- Let the communication flow!
Got an idea?
Use this space to add awesome interactivity. Include text, images, videos, tables, PDFs... even interactive questions! Premium tip: Get information on how your audience interacts with your creation:
- Visit the Analytics settings;
- Activate user tracking;
- Let the communication flow!
Got an idea?
Use this space to add awesome interactivity. Include text, images, videos, tables, PDFs... even interactive questions! Premium tip: Get information on how your audience interacts with your creation:
- Visit the Analytics settings;
- Activate user tracking;
- Let the communication flow!
Coupon codes and Loan amounts
Here we learn about what are the things we can use to convince customers
- What are coupons?
- Where can you find coupon codes?
- Different Loan amounts
Got an idea?
Use this space to add awesome interactivity. Include text, images, videos, tables, PDFs... even interactive questions! Premium tip: Get information on how your audience interacts with your creation:
- Visit the Analytics settings;
- Activate user tracking;
- Let the communication flow!
Got an idea?
Use this space to add awesome interactivity. Include text, images, videos, tables, PDFs... even interactive questions! Premium tip: Get information on how your audience interacts with your creation:
- Visit the Analytics settings;
- Activate user tracking;
- Let the communication flow!
Got an idea?
Use this space to add awesome interactivity. Include text, images, videos, tables, PDFs... even interactive questions! Premium tip: Get information on how your audience interacts with your creation:
- Visit the Analytics settings;
- Activate user tracking;
- Let the communication flow!
Next
EXplore Credit
This is where you will learn about Explore credit and what is it that we do
- What do we do ?
- How do we do that?
- Why are things the way they are?
Got an idea?
Use this space to add awesome interactivity. Include text, images, videos, tables, PDFs... even interactive questions! Premium tip: Get information on how your audience interacts with your creation:
- Visit the Analytics settings;
- Activate user tracking;
- Let the communication flow!
Got an idea?
Use this space to add awesome interactivity. Include text, images, videos, tables, PDFs... even interactive questions! Premium tip: Get information on how your audience interacts with your creation:
- Visit the Analytics settings;
- Activate user tracking;
- Let the communication flow!