Instant Credit. Microsegmentation. Risk Optimisation

End-to-end Credit Lifecycle Management
Instant Credit. Microsegmentation. Risk Optimisation.

Retail Banking Software Retail Banking Software

A Product for Every Segment

Retail or Corporate | SME or Agri | Auto or Mortgage

Going Beyond Recovery End-to-end Credit Lifecycle Management

Intellect Debt Management

Going beyond recovery

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deutsche
citibank
halkbank
banque
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qnb
adcb

INTELLECT DIGITAL LENDING, IDL 20

In recent times, the lending market has been seeing disruption by a wide variety of fintech and big tech organisations that see an opportunity to transform businesses to be seamless through digital technology and innovative design. Traditional lenders on the other hand, are also willing to experiment with new digital options to provide a far more unified, flexible and efficient approach to the lending business.

IDL 20 is a comprehensive digital credit management system designed to meet the ever changing needs of credit seekers as well as financial institutions. It empowers FIs to offer both commoditised as well as specialised credit products across all business segments including Retail, Corporate, SME and Agri.

Built on an 'Always On, Always Aware' concept, the system allows banks to deliver a truly digital, real-time solution to their customers. Banks are empowered to make real time informed credit decision giving customers access to a 360 degree view of their credit portfolio. The System is designed on DIY principle that allows banks to create their own products anytime, anywhere and its fully automated robust architecture ensures lower cost of operation by driving higher efficiency.

IDL 20 is an all-in-one lending platform comprising of Credit Origination, Loan Servicing, Debt Management and Collateral & Limits Management, which are also available as standalone products to suit the varying needs of business that are at different levels of digital credit transformation.

Loan business is bearing the burden of ever-changing regulations and varying business needs from time to time. Adding to these are upcoming digital solutions from fintechs that are posing new opportunities as well as threats. Therefore, FIs are in need for a centralised platform for automation of credit risk assessment that enables instant credit at the point of need, thereby allowing decisions on-the-go, delivering improved customer experience and driving deeper customer engagement.

Intellect Digital Loan Origination System (LOS) is a state-of-the-art workflow based digital credit origination and processing system built on microservices architecture, with a wide functional breadth. The system is a highly evolved sourcing and credit evaluation solution supporting the origination process through the entire cycle including application processing, verification, risk assessment, credit scoring, automated credit decision and underwriting. The fully automated, integrated, parameterised and rule based solution is capable of meeting straight through processing requirements with exception based manual intervention.

Intellect LOS, powered by industry recognised Business Rule Engine, facilitates banks and FIs to manage facility approval as well as drawdown approval through a sanction workflow, pre-defined for each kind of loan product, giving a single system experience for end-to-end credit origination.

loan-origination1

Intellect Loan Management system (LMS) is an end-to-end loan lifecycle management system that caters to multiple segments of the market through its flexible parameter definition. It services all loan life cycle events including loan processing, disbursal, amortisation schedule tracking, accounting, prepayment processing, delinquency and receivables tracking and charge-off processing.

The system is designed with an intuitive product configurator that empowers banks to create and launch new products within hours, keeping the competition at bay with new, innovative offerings.

Loan Servicing1

Intellect Debt Management system (IDM) is a comprehensive completely automated Debt and Receivables management system which besides meeting banks Collection requirements, also offers advanced analytical features to improve the businesses for taking informed decisions and better tracking of receivables.

IDM is designed to systemically and efficiently manage credit costs for the organization. It comes with a mix of design focus, deep domain expertise and best practices in debt management which empowers the collection organisation to strategically create and implement the most effective collection strategies, reaping in the best business results.

Debt management1

Intellect Collateral & Limits Management (CLMS) is an enterprise wide platform for real-time exposure and collateral monitoring across islands of systems. The centralised asset management system supports the entire lifecycle of an asset and its collateralisation for all credit offerings across the organization.

Intellect CLMS is built with a proactive limit monitoring and control mechanism allows banks to have a single source of truth for both secured and unsecured exposures for a given customer relationship. The ability of the system to provide a consolidated, real-time credit exposure view helps the risk department take real time informed decisions.

Collateral Limits Management1
Digital Banking Experiences
Digital Banking Experiences
Digital Banking Experiences
Digital Banking Experiences
Digital Banking Experiences

CREDIT ORIGINATION

Loan business is bearing the burden of ever-changing regulations and varying business needs from time to time. Adding to these are upcoming digital solutions from fintechs that are posing new opportunities as well as threats. Therefore, FIs are in need for a centralised platform for automation of credit risk assessment that enables instant credit at the point of need, thereby allowing decisions on-the-go, delivering improved customer experience and driving deeper customer engagement.

Intellect Digital Loan Origination System (LOS) is a state-of-the-art workflow based digital credit origination and processing system built on microservices architecture, with a wide functional breadth. The system is a highly evolved sourcing and credit evaluation solution supporting the origination process through the entire cycle including application processing, verification, risk assessment, credit scoring, automated credit decision and underwriting. The fully automated, integrated, parameterised and rule based solution is capable of meeting straight through processing requirements with exception based manual intervention.

Intellect LOS, powered by industry recognised Business Rule Engine, facilitates banks and FIs to manage facility approval as well as drawdown approval through a sanction workflow, pre-defined for each kind of loan product, giving a single system experience for end-to-end credit origination.

loan-origination1

Intellect Loan Management system (LMS) is an end-to-end loan lifecycle management system that caters to multiple segments of the market through its flexible parameter definition. It services all loan life cycle events including loan processing, disbursal, amortisation schedule tracking, accounting, prepayment processing, delinquency and receivables tracking and charge-off processing.

The system is designed with an intuitive product configurator that empowers banks to create and launch new products within hours, keeping the competition at bay with new, innovative offerings.

Loan Servicing1

Intellect Debt Management system (IDM) is a comprehensive completely automated Debt and Receivables management system which besides meeting banks Collection requirements, also offers advanced analytical features to improve the businesses for taking informed decisions and better tracking of receivables.

IDM is designed to systematically and efficiently manage credit costs for the organization. It comes with a mix of design focus, deep domain expertise and best practices in debt management which empowers the collection organisation to strategically create and implement the most effective collection strategies, reaping in the best business results.

Debt management1

Intellect Collateral & Limits Management (CLMS) is an enterprise wide platform for real-time exposure and collateral monitoring across islands of systems. The centralised asset management system supports the entire lifecycle of an asset and its collateralisation for all credit offerings across the organization.

Intellect CLMS is built with a proactive limit monitoring and control mechanism allows banks to have a single source of truth for both secured and unsecured exposures for a given customer relationship. The ability of the system to provide a consolidated, real-time credit exposure view helps the risk department take real time informed decisions.

Collateral Limits Management1

IF YOU WISH TO KNOW MORE ABOUT INTELLECT DIGITAL LENDING, CLICK HERE TO DOWNLOAD THE PRODUCT BROCHURE

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