Elevate your lending journey with a holistic approach that enhances efficiency and borrower experience at every stage. From pre-submission, due diligence to final disbursement, our system features rigorous eligibility checks, scoring assessments, and tailored underwriting. This comprehensive process accelerates credit decisioning, lowers turn-around time and drive your loan portfolio.
Our intuitive Workflow Designer features a user-friendly drag-and-drop interface, allowing you to easily design and customise workflows to meet your specific lending needs. This boosts operational efficiency and enables quick disbursal to changing borrower demands, keeping your financial institution competitive and adaptable.
Empower borrowers to connect effortlessly through branches, online platforms, or mobile devices during onboarding. This omnichannel approach ensures a seamless, cohesive experience, allowing borrowers to engage with your services on their terms, wherever they are.
Our integrated process minimises default risk by managing collateral from acquisition to delivery. You can define any collateral or asset, including marketable securities like shares, with fully configurable attributes tailored to your lending needs. This comprehensive approach supports cross-collateralisation, giving you the flexibility and control to optimise your collateral management strategies.
Our platform features an extensive library of over 200 + APIs, enabling seamless digital extensions and integrations. This API-first architecture connects you to internal and external ecosystems, enhancing your ability to deliver tailored customer experiences. By fostering deeper engagement and streamlining integration processes, you unlock new avenues for growth and innovation, ensuring your services remain agile and responsive to market demands.
Reduction in loan processing time for a Mortgage Co.
New loans booked per minute (during peak time) for a top financial institution
Increase in customer engagement for a South Asian Mortgage Co.
Our loan origination system (LOS) supports a diverse range of product lines, including Retail, SME, and Corporate offerings. Examples include Personal Loans, Gold Loans, Education Loans, Home Loans, Auto Loans, Consumer Durables Loans, Microfinance, Business Loans, SME Loans, Commercial Loans, Agri Loans, Buy Now Pay Later (BNPL) solutions, and Fintech Loans.
Yes, our LOS features a comprehensive suite of APIs that enables seamless connections with multiple onboarding channels.
Our LOS allows for the configuration of complex pricing matrices, enabling you to define various attractive schemes and seasonal promotions tailored to your lending needs.
The system offers a flexible workflow designer equipped with a drag-and-drop interface and BPM 2.0 capabilities. Business or IT administrators from banks and financial institutions can easily design new workflows or modify existing ones from the front end without requiring vendor intervention.
Yes, as part of the workflow designer, our system enables the configuration of complex underwriting matrices, including committee-level approvals and deviation and delegation hierarchies.
Our LOS supports various external integrations, including Bureau checks, Fraud checks, GST data retrieval, Penny drop services, Bank statement analysis, and Business Analytics tools.
Our deployment process is fully automated, requiring zero manual intervention. We utilise a Continuous Integration and Continuous Deployment (CICD) pipeline model for the DevOps lifecycle. Customers have the flexibility to deploy on either Cloud or On-Premise, based on their requirements. Our platform supports both Public and Private Cloud deployments. For Public Cloud deployments, we are compatible with Microsoft Azure, Amazon AWS, Google Cloud Platform (GCP), IBM Cloud/Bluemix, and Oracle Cloud.
We have a dedicated support team that offers 24/7 assistance for incidents impacting business operations. Our team is well-equipped to understand, respond to, and resolve issues through both temporary and permanent solutions within the agreed Service Level Agreements (SLAs). We offer support models at L1 and L2 levels. Our Training Department conducts regular internal and external training sessions on domain-specific and IT-related topics. Many of these trainings are mandatory, based on managerial nominations. We follow a “train the trainer” approach for product training, ensuring users receive comprehensive knowledge. Additionally, we provide banking and lending-related training for customers and partners. For new releases, we organise training tailored to customer requirements, supported by a dedicated team, and delivered through a commercial agreement.
