7x
4x
Faster integrations
Lending Stack in Cloud
Highly flexible, e2e digital spine with best of breed modules spanning every lending function
Crowdsourcing DNA
Allows multiple collaborators with atomic traceability and validation engine, ensuring quality, compliance
Layered AI
Realtime collections AI that learns a per user model; AI Task bots to automate onboarding verifications
High Adaptability
50+ Multi-layered Configurations, Loan Product Maker, Configurable realtime Underwriting and Collection engines
End-to-End, fresh business visibility
On-boarding, origination, underwriting, collections; all operations; Unified warehouse refreshed several times a day
Security, Privacy, Compliance by design
Multi level encryption, 4 level privacy ACLs, Atomic traceability & transparency
Platform facets powerful individually, exceptional together
Digital, Paperless Origination
Low operational costs with quick, seamless & pure digital onboarding & origination with intelligent automations
OCR based autofill
Bureau Check
ID verification
Pre-application risk tagging
Aadhaar eSign with 4 authentication modes
AI powered key data checks
Tiered approvals
Vernacular loan documents in 11 languages
Automated repeat loans
Configurable Underwriting Engine
Best in class underwriting with configurable risk rule system
25+ risk parameters
In-filed decisioning
Straight through processing
Create, test & launch risk policies in real time
Hyperflexible LMS
Gold standard realtime LMS to support any product
Flexibility in Daily & Monthly compounding
Variable moratorium, repayment intervals & tranches
Automated disbursal channel selection
Multi bank, multi-channel disbursal
Bulk restructuring capabilities
Digital, Realtime Repayments
Multi-modal payments interface backed by a per loan account
State of the art cash, UPI, eNach, BBPS, eCollect
Multi-channel payment reminders
Cash management
Instant digital receipts & account statements sharing
Realtime reconciliation
Proprietary AI Collections Funnel and Service
Improves collections efficiency significantly while treating borrowers with respect
Configurable, custom designed, collection campaigns
AI driven insights for maximum recovery
Borrower friendly payments options
Learns user intent, adapts repayment funnel to each user
Composable API factory
Plug & Play, No code API integrations
20+ out of box APIs
4x faster to integrate any new API
Every interface exposed as an API
No code integration
Variants creation in a day
Instant Loan product maker
At the edge, curated loan product maker that enables loan repayment profile to match borrower's livelihood cash flow
Churn out hyper customised loan products in minutes
Wide range of loan products
40+ configurable parameters
Multi-channel support
Direct Co-Lending Pipeline
Expand credit pool with automated co-lending flows
Integrates directly with Banks & NBFCs
Ability to add new co-lenders in weeks
Adaptive to each co-lender's LMS and data needs
Preference order settings
Loan product level co-lender configuration
Customisable data console
Custom dashboards and reports for all teams at all levels
Custom reports & filters on real time data
Pre-generated report templates
Organisational role based dashboards
Metrics tracking
