SAFE & SMART

LOS - Platform
Roadmap
 Vision

Building affordable , futuristic and scalable Loan Origination

Platform in latest technology including blockchain , low
code , AI and ML with out compromising the security and
standards.
 Prospects

• Small and Medium Banks

• NBFC’s
• Multi State Co-Op Societies
• MFI
• Micro Credit Organizations
• Nidhi Companies
• Fintech Companies
• SAACOS
 Proposed Technology

• Operational efficiency through Low Code / No Code

• Secured Data Management through Block Chain
• Incorporation of AI / ML Capabilities
• Scalable Microservice Architecture
• .NET Core Framework for Interoperability.
• Power BI for exhaustive reporting capabilities.
 High Level Modules
• On Boarding •Automated Loan Eligibility
• Manual •Document Management
• Auto Fetch and Verify •Underwriting
Documents •Deviation Management
• API Integration with •Collateral Management
various authorities •Field Investigation/Tele verification
• Quick Data Entry is any •Credit Approval Memo (CAM)
• Dedupe Check •Disbursement Memo Generation
• Compliances •Loan 360° View
• Credit Bureau
• AML/Fraud
• e-KYC
Proposed Lending Lifecycle
 High Level Features

• Structured workflow for automatic routing of application

• Support different origination channels
• Support different loan products and loan types
• Interface to external systems
• Provide internal credit checking, credit scoring and compliance check
• Generate letters and forms automatically
• Application details and status enquiry
• Document imaging and archiving

• Single product (SaaS and on-premises) •
• Multi-tenant and SingleMultilingual
• Multicurrency
• Multi-channel integration
• Microservice architecture
• User defined input formats
• Centerlised and decenterlised processing
• User defined Loan parameters
• Blockchain
• User defined De-dupe checking
General Settings
AI – KYC verification
• Workflow for automatic routing of
application
• Different origination channels
• Interface to external systems
• Internal credit checking, credit scoring
and compliance check using AI and ML
• Multi-tier rate structure
• Generation of letters and forms
automatically
• Document imaging and archiving
 Proposed USP’s
• Single Unified System
• Complete loan process right from capturing an enquiry to loan collection process
implemented in a seamless flow.
• Seamless Integration
• Integrate code-free with legacy and other transactional systems using various
integration methodologies.
• Compliance Readiness
• Increase Cross-selling
• Automated Underwriting
• Transparent Policies And Processes
• Build Customer Loyalty