*It is a Robust Application offering Automated Solutions for both Retail & Business Lending
*It is an In-Prim and Cloud based, AI Powered Application offering Customizable Workflows
*It brings in Enhanced Integrations enabling Omni-Channel Customer Experience
*Seamless OCR, ICR, Payment Gateways, e-KYC, PAN Validation, CIBIL & Experian Integrations
Controls and automates end to end enterprise wide used processes
Phases adapted in processing of a credit application for complete automation of the suit
Integrates various stages and processes for origination and pre-disbursal
Supports the whole lifecycle from customer walk-in to decision by the underwriter for the disbursement, along with online credit rating integration
Evaluation of the credit application till disbursement initiation.
Applicant Information Punching, Document uploading/ storing Upfront changes
Dedupe and Credit rating scores integration
Applicant verification (KYC/ offline)
Sanctioning and Application processing
Customer Instrument Details capturing
Disbursals
Repayment schedules
Adjustment of Up-front charge collection
*It automates Loan Centric Business Operations which enable organizations to offer more Agile Customer Support capability
*It helps drives Operational Efficiency by Automating Daily Business Processes and Authorization Checks
*It offers our clients flexibility to manage the Customer Life-Cycle with ease of handling Part Payments, Foreclosures, Re-structuring and lot of other features
Ability to drive lending workflow across Retail and Corporate sectors
Supports multi-channel, complete digitization of complete loan lifecycle workflow, from initial customer on boarding, improving loan servicing
In-depth collections management
Powerful accounting and rule algorithms
Facilitating cloud and on-premise implementations and platform agnostic
All lines of Businesses covered and serviced.
Loan Cancellation
Billing/ Due Generation (Manual and Automatic)
Receipting, Presentation , LPP , Accrual
Bulk refund and rescheduling
Payments
Accounting / Voucher Posting
Termination/ Loan Closure
Reports like SoA , Welcome Letter , Repayment Schedule , NoC etc.
*It is an Innovative Collection Solutions which can help Reduce Cycle Times
*Creates Operational Efficiencies by Proactively identifying bad loan and help customers proactive solutions to stay compliant
*This debt-based platform facilitates account bundling (common debtor), custom payment plans, processes automation, judgment tracking, custom screen layouts
PWA based and automated enterprise workflow system
Manages, monitors and controls the delinquent credit accounts
The workflow manager governs the entire business processes
Rule engine to define the supporting rules in line with their policies
Defining the logics and rules for allocation and follow-up actions
Maintains end to end details of the repossessed asset
Support for valuation and disposal of repossessed asset
NPA provisioning/ DPD calculation
Contact recording history
Bucketing
Receipting
Settlement/ Closure
Set of pre-built around 40 reports, charts and dashboards. Covers end to end Lending portfolio, starting from Acquisition, Servicing and Delinquency. Self Service Drag and Drop Interface along with built in Risk Analytics, Key Business Drivers, Statistical Scorecards.
Assists to take better credit decisions through accurately built-in predictive models
Configures key business drivers including generating higher growth by targeting the right customers with customized offerings, increasing profitability by reducing costs and customer churn, enhancing quality of portfolio by enabling strategic decisioning throughout the loan life-cycle
Artificial Intelligence (Text Analytics and Neural Networks with hyper optimization) capabilities
Simplified data pre-processing, exploration and visualization
Model Optimization, Model performance dashboard
Statistical & Expert based Scorecards: Guided & easy to manage
Best-in-class decision trees: Build with a click, analyze results visually
Cloud-ready and ease of integration
Industry-wise standard statistical algorithms are picked from Open source platforms like ‘R’ to enable error free and re-usable logics.
We operate and deliver products in all known lines of businesses. Our products are customized for Home Finance, Personal Loans, Vehicle Finance, Gold Loan, Overdraft, Revolving Credit, Consumer Durables, Micro Finance, Agriculture and Education loan in Retail Segment. In Corporate Segments, we cater to Inventory Funding, Working Capital, Bill Discounting and Dealer Function. Various Products can be configured in a Single Line of Business.
