Lending

It is estimated $220 Billion loans will be disbursed by end of 2020 via fintechs Traditional Lenders are entering fast in this space to compete with fintechs

Work Flow

Identify Target Market

Create Customized schemes for customers : In PNB System

Create Cross Selling opportunities : through APP’s like eCommerce, eMANDI, Education ERP

Customers acquisition through digital medium for these schemes: LoanMate

Expend knowledge through digital model with respective customers: Digital Marketing

Touch base with these customers: Digitally, DSA’s, Call Centre

CRM to monitor status

Loan Acquisition:

Eligibility assessment
Score sheet preparation: receive statues from backend PNB system
Interview with document scanning and upload
Loan Application finalization
Field Investigation
Recapture Score Sheet Data and take timely action
Escalation Matrix if approval pending from X day Cycle.

Loan Application with necessary documents is received and pushed to PNB backend system
Loan Sanction or Rejection

flow

Productization

Product Creation
Eligibility define
Parameterization
Access Right
Deviation Parameter
Monitoring Parameter
Document parameter
Charges Parameter
NPA Parameter
Loan Securitization Parameter

Process/Activity

Business Card
Document Upload
Loan Interview
Loan Application
Field Investigation
Loan Appraisal
Recommendation
Sanction
Documentation
Disbursement
PDC/ECS
Recovery

Monitoring (90 Day Cycle)

Business Card
Document Upload
Loan Interview
Loan Application
Field Investigation
Loan Appraisal
Recommendation
Sanction
Documentation
Disbursement
PDC/ECS
Recovery

100% API driven

Anything and everything is API interfaced with our backend

We can create UI for you on Web and Mobile

You can pick up solutions and link to our Backend seamlessly using API’s

API’s integrations done by us:

With Finnacle for Punjab National Bank
With TCS for Indian Bank and Central Bank of India
With PFMS for SNA system for Indian Bank
With PFMS for various Banks
With CKYC for various Banks
With TCS and Finnacle for AML

Customer Acquisition

Create Potential Customer Database
Import Potential Customer Database
Contact Potential Customers
Data Capturing of the Customer through Interview method
CIBIL data verification
ITR and GST data verification with direct interface from Portals
Document Upload as required
Filed Investigation
Sanction or Rejection

Role of DSA

The role of the DSA shall be concentrated in customer acquisition and Pre-sanction activities along with Loan Recovery. DSA shall be required to
generate leads

Mature them with necessary data captured using Mobile tools

collect loan application forms and other related / required documents

forward the same to the HUB for further action at theirs.

At the HUB, leads which have been forwarded by DSA shall be followed up at the level of Credit Appraisal Team Member for their eventual conversion into business gains for the Bank in terms of Bank’s laid down policy guidelines

Collect Loan Installment from Account Holder

Lending

Work Flow

flow

Productization

Process/Activity

Monitoring (90 Day Cycle)

100% API driven

Customer Acquisition

Role of DSA

Digital Ecosystem:

Development Services

Dedicated Resources

Industry Solutions

Enterprise