In this video series-7 on Joint Liability Group Lending Kabir Kumar, Microfinance Analyst, CGAP, introduces Delinquency Management Process of Spandana, India. This video shows how Spandana ensures the repayment problems are caught early and how it has been able to maintain excellent portfolio quality. At this stage of lending cycle, the field officer along with the group leader visits the member to recover the default payment. If the instalment isn’t recovered the branch manager takes charge of the situation. If the member still defaults regional manager tries to recover from the group.