Read how this private sector bank increased Loan Disbursement with worxogo Nudge Coach. Personalized nudges and other behavior interventions helped the team improve with 52% of reps achieving their targets consistently. 

Client Overview

One of India’s largest private sector bank, this bank has a network of 5,608 branches with over 150,000 employees. With reported earnings of $19.74 Bn in 2020, the bank offers wholesale banking, retail banking, auto loans, personal loans among other services.

Key Challenges

Improve Login Count and Value

The management at the Auto Loans Division of the bank wanted to improve Login Count and Value and register an increase in credit growth.

Improve Disbursement Count

Challenged by the shrinking demand and a highly competitive market for Auto-loans, there was a need to increase the Disbursement Count.

Increase Disbursement Value

The team was challenged by a liquidity surplus and needed to increase the expansion rate of their Disbursement Value.

The management wanted to build a high performing Sales team that met their monthly target consistently by becoming more Engaged, Motivated and Productive.

Nudge Coach Deployment


The Auto Loans Division at the Bank deployed worxogo Nudge Coach. Based on the Nobel prize-winning concept of Nudges, the coach helped sales reps build productive behaviors.

worxogo Nudge Coach understands each rep’s motivations and nudges them daily on their KPIs.

These small yet deeply impactful nudges made a huge difference helping the team to adopt high-performance work behaviors like consistent performance from the start of the month.

worxogo Nudge Coach was integrated with the company’s existing CRM. Daily personalized nudges helped sales reps to focus on the goal of financing for their potential clients and improve their loan closings. Instant recognition and rewards through badges and points incentivized reps to excel in aggressive prospecting and outreach.

Managers tracked individual reps’ performance and identified reps who were struggling and could guide them at the right point.

By helping the managers focus on what’s really important for each sales rep, Nudge Coach acted like a productivity wingman helping them improve their disbursement count & value and expand the credit portfolio.

The Outcome



Increase in Login Count



Growth in Average Disbursement Value



Of Reps Achieving Targets Consistently

Using worxogo Nudge Coach, the Auto Loan Sales team became a high-performing team.  17% more reps were now hitting their targets.

There was a significant behavior shift with more clients yielding a high disbursement value. Additionally, there was a considerable shift in performance of the Sales Reps generating a steady credit growth for the Auto Loans division at the Bank.