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Digital Loan Origination System

Key Modules

Loan Lifecycle

  • Lead Management

    • Lead Sourcing
    • Quick Data Entry
    • Detail Data Entry
    • Dedupe Check
  • Compliances

    • Credit Bureau
    • AML/Fraud
    • DNC
    • FATCA
    • e-KYC
    • Automated Loan Eligibility
    • Document Management with OCR
    • Robotic Underwriting
    • Deviation Management
    • Collateral Management
    • Field Investigation/Tele verification
    • Credit Approval Memo (CAM)
    • Delivery Order Generation
    • Disbursement Memo Generation
    • Loan 360° View
    • Customer 360° View

lines of business

Retail

  • Personal Loan
  • Car Loan
  • Two Wheeler Loan
  • Gold Loan
  • Home Loan
  • Loan Against Property
  • Education Loan
  • Consumer Durable
  • Loan on Credit Card
  • Loans for Professionals
  • Loans Against Assets
  • Agri Loan

Wholesale

  • Project Finance Loan
  • Business Loan
  • Term Loan
  • Working Capital Loan
  • Commercial Vehicle Loan
  • Fleet Finance
  • Bill Discounting

service

    • Queries
    • Requests
    • Complaints
    • Approvals
    • Collaboration
    • Omnichannel
    • Interactions
    • Workflows
    • Document Management
    • Contact Centre Management

DIGITAL PLATFORM

  • Vivid™ Digital Authoring Studio

    • Screen Designer
    • Journey Builder
    • Integration Manager
    • David™ Decision Engine
    • ReGain™ Win-back Modeler
    • Virtual Assistance
    • Eco-system Connectors
    • Master Data Management
    • Offer Management

PROCESS DESIGNERS

    • Autoflow Designer™
    • Screenflow Designer™
    • Alerts and Escalation Engine

CUSTOMIZATION TOOLBOX

    • Custom Fields
    • Custom Objects
    • Custom Layouts
    • Active Cards

MOBILITY

    • GPS Tracking
    • All Sales & Service Functionalities
    • Form Factor Agnostic
    • Supports Android, IOS & Windows

MASTER DATA

    • Teams
    • Territory
    • Products
    • Customer
    • Role
    • De-duplication
    • Users
    • Select Data Fields

INTEGRATION ENGINE

    • Autonoma Integration™ Patterns
    • Anywhere Mash-ups
    • Web APIs
    • Messaging Queues

Empower Workforce

  • Generate Applications

    • Capture leads from digital and physical channels.

    • Empower customers to enter data, upload documents, check eligibility, pre-approved offers and submit applications through self service portal.

    • Seamless integration to source leads from external systems

    • Ability to upload bulk data from physical sources.

  • Offer custom products

    • Create custom financial products based on customer profile, requirements and capabilities.

    • Offer choices in terms on interest rate, schemes, sub products, cycle date, payment mode, contract terms etc.

    • Manage and edit applications in real time

  • Smart on-boarding

    • Facilitate faster and smoother on-boarding.

    • Smartly engage with customer to maximize upsell and cross-sell opportunities.

    • Interconnect and execute routine processes with workflow designers.

    • Track the entire loan initiation process on intuitive dashboards for bette decision making.

    • Adhere compliances with well defined and smooth KYC processes.

    • Document assets and liabilities

    • Real time alerts and notifications on status updates

  • Decisions and approvals

    • Monitor system and manual deviations

    • Set business rules to automatically approve conforming applications.

    • Route applications automatically to relevant authority on predefined parameters like deviations, loan limits etc.

    • Algorithmic analytics and activity tracking aid real time decision making.

    • Regulatory compliance for audits with improved process transparency and approval matrix.

  • Decisions and approvals

    • Generate amortization schedule with partial/full disbursal schemes and delivery orders.

    • Instantly verify documents and repayment instruments.

  • Automated underwriting

    • Identify fraudulent cases automatically.

    • Automatically underwrite applications based on predefined parameters and integration with rating agencies

    • Manage exceptions based on rules through relevant workflow routing

    • Manually intervene in case of deviations, if necessary.

  • Collections

    • Manage loan types and interest rate information.

    • Automatically calculate and intimate smart loan EMI details.

    • Manage EMI payment transactions

    • Real time alerts and notifications in case of deviations.

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Empower Customers

  • Create intuitive journeys

    • Develop customer journeys with a rich, branded UI and UX

    • Capture holistic customer information that creates complete profiles.

    • Deploy the journeys across touchpoints and channels.

    • Configure, don’t code, changes

  • Self Service Platforms

    • Engage customers with automated self buying journeys across channels and devices.

    • Customers can quickly create or edit service request, find solutions, check status updates etc.

    • Display complete profile details, product holdings, service history etc.

    • Create personalized offers with automated end to end processes for up sell and cross sell.

  • Document management

    • Allow customers to upload documents in a single repository.

    • Digitally capture customer collateral documents.

    • Enable customers to access marketing collaterals.

  • Contract details

    • Customers can view loan contract details online.

    • In case of any discrepancies, an online case can be instantly generated.

    • Detailed report of paid EMI paid and the remaining balance.

    • Instant generation and sharing of amortization schedule.

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Key Benefits

  • Single unified system

    Complete loan process right from capturing an enquiry to loan collection process implemented in a seamless flow.

  • Made-to-order

    CRMNEXT Loan Ecosystem™ system agile, flexible and fully-customizable solution is designed to suit your specific strategies so you can originate and process loans the way you want to on any channel, any device, any place (AAA class lending service).

  • Seamless Integration

    Integrate code-free with legacy and other transactional systems using various integration methodologies.

  • Automated Underwriting

    Ensure error less loan eligibility process with dramatically reduced TAT. Reduce NPAs with the help of integrated scoring engines for effective decision making.

  • Compliance readiness

    CRMNEXT Loan Ecosystem empowers your business to be in sync with changing industry and regulatory norms. From loan initiation to collection, automatically track and review every single transaction by generating customized and insightful reports.

  • Transparent policies and processes

    Keep the entire process open and transparent with CRMNEXT for your customer whose trust translates to assured business

  • Increase cross-selling

    Masses of customer data can be analyzed and put to work in modelers that offer relevant financial products at the right time.

  • Build customer loyalty

    Drive greater focus on customer experience and TAT. Enjoy more trust and goodwill from customers.

customer success stories

  • hdfc logo
  • bajaj logo
  • axis logo
  • icici logo
  • nbo logo
  • bdo logo