Borrower Registration Process/Workflow:

1 2 3 4 5
Personal Details Form OTP verification Process Loan Details Form Answer Questionnaire Upload Supporting Documents

Receives OTP on his mobile number.

BORROWER Fills up personal details form. Fills up Loan Details form. Answers questionnaire for credit scoring. Uploads supporting document
Enters OTP in the OTP form

Evaluates/verifies the result of the credit Compares registrants personal details against the
UNDERWRITER
score. uploaded supporting documents.

Firstname
Lastname
Gender
Loan Amount
Marital Status
Loan Product
Email Address
Loan Purpose Drivers License
INPUTS Password OTP code Standard credit scoring questionnaire.
Interest ID Card
Confirm Password
Tenure
Mobile Number
City
Date of Birth
How did you hear about us?
Referral Code
OTP code entered by the registrant
Registrant clicks Submit Button MoneyMatch evaluates/scores the
EXPECTED ACTION and matches the code sent to his mobile All entries are in correct format. Registrant uploads documents in correct file format.
All entries are in correct format. 1registrants answer based on scoring
ASSUMPTIONS number. Registrant clicks Submit Button. Registrant clicks Upload button.
guidelines.
Registrant clicks Verify Button.
The system sends an OTP code to the
OTP verification successful.
EXPEXTED OUTPUT/RESULTS mobile number entered by the Registrant credit score. System verifies file format.
Registrant mobile number is verified.
registrant.
1. The following fields are
1. The OTP code should expire in ____ 1. If a registrants questionnaire credit score passes but his occupation falls in any of the flagged
mandatory: Firstname, LastName,
hours/minutes. occupation tagged for automatic denial of loan application, he will still have a failed credit score.
Marital Status, Email Password,
BUSINESS 2. The OTP verification form should have a 2. Any discrepancies in the personal details information with the registrants uploaded supporting
Confirm Password, Mobile Number. 1. All fields are mandatory.
RULES/REQUIREMENT facility to resend an OTP code after a document should result to non-approval of loan application.
2. Password length should not be less
_____ minutes that a registrant failed to 3. However, the underwriter may escalate approval, if in his better judgment the borrower who
than 12 characters. It must be a
receive the code. garnered a failed credit score has the capability to pay.
combination of alphabet (upper and
lower case), numbers and/or special
characters.
4. After a successful registration, an activation link should be sent to the registrants registered email
address for account activation. The activation link should expire in ____ days.
4. An email notification should be sent to the registrants email address that his loan request has
been received and is now pending for approval.
5. If a lender funds a borrowers loan, an email/text notification should be sent to the borrowers
email/mobile number.
6. Credit Score should not be visible in the borrowers dashboard.