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SIMS calculates, explains and pays sales incentives for lenders.

It manages incentives for microfinance and MSME field staff and sourcing partners. Every amount traces back to the loan events and the scheme version that produced it.

Regional manager home with incentive cost, cost per payee, portfolio at risk against its limit, approvals waiting and units ranked by attainment.
Field officer's phone view with the month's estimate, score and portfolio-at-risk gate.

Incentives worked out by hand.

An incentive depends on loans and collections in the loan system, roles and reporting lines in HR and what payroll actually paid. Stitched together in spreadsheets, it is hard to show an officer why they earned what they did, and hard to recover a payout when a loan goes bad after it was paid.

How it works.

  • Schemes

    KPIs, weights, slabs, caps and eligibility set per scheme and versioned, for individual, team and partner schemes.

  • Quality gates

    Portfolio-at-risk thresholds reduce or stop an incentive, and a first-payment default claws back the credit.

  • Explanation

    Any officer can open any amount and see the loans, the scheme and the calculation behind it.

  • Approval

    Unusual amounts go to the manager, then the business head and finance sign off before the cycle locks.

  • Payout

    One payroll batch per cycle, partner payouts through accounts payable, and a fixed reference on every line, so a resent batch is not paid twice.

  • In the field

    Officers see their estimate, targets and statement on a phone browser, with nothing to install.

An officer’s statement with the calculation trail open: eligibility, weighted score, bracket, portfolio-at-risk gate and a clawback.
Every amount opens to the calculation behind it.
Cycle control part-way through sign-off, with finance approval waiting on its last signature before the cycle locks.
Each cycle moves through review and sign-off before payroll.

Designed for a national field force.

SIMS handles tens of thousands of staff and millions of loan events, on monthly to annual cycles.

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