Digital Worker
Role: Management Trainee/Assistant Manager – Operations & IT
During my 10-month stint at Clix Capital, I spearheaded the Digital Worker Project, a large-scale automation initiative aimed at digitizing the company’s core loan disbursement operations. At the time, critical workflows such as the Money View QC (quality check) and Business Loan Maker process were being handled manually by vendors, creating inefficiencies, high error rates, and mounting operational costs. Each QC cycle required processing 18,000–20,000 files per month, while BL Maker cases consumed up to 45 minutes each, leading to significant month-end backlogs. Recognizing the need for speed, accuracy, and scalability, Clix Capital set a vision to achieve 100% digital efficiency, and my role placed me at the intersection of process mapping, automation design, and cross-functional implementation to bring this vision to life.
Challenges
The manual processes were resource-intensive, error-prone, and slow, with high NFTR (Not First time right) rates, inconsistent documentation formats, and limited standardization across vendors. This resulted not only in operational delays but also in increased costs, strained vendor dependency, and reduced scalability for the fast-growing NBFC.
Progress
Impact Delivered
The Digital Worker initiative cut QC turnaround time from 15 minutes to 2 minutes and BL Maker processing from 40 minutes to 15 minutes, while reducing error rates to nearly zero. It delivered monthly cost savings of ₹1.6–3 lakh and doubled operational capacity, strengthening Clix Capital’s ability to scale with agility. Beyond efficiency, the project reduced vendor reliance and positioned automation as a core driver of operational excellence, while giving me hands-on expertise in process optimization, stakeholder management, and enterprise-scale IT transformation.