Intellect Digital Lending

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Overview

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. With these disruptions and advancements, a new space has been created for banks to explore unchartered territories that they would have otherwise taken time in adapting to. Today, more than ever, across the spectrum of lending institutions, there is a need for multi-channel, self-service digital lending and leasing products, that harnesses these advancements in technology to offer superlative experience to their customers.

Intellect Digital Lending is a comprehensive credit management system designed to meet the ever changing needs of credit seekers as well as financial institutions. The system is designed to offer commoditised and specialised credit products across all business segments including Retail, Corporate, SME and Agri. Built on an 'Always On, Always Aware' concept, banks can deliver a truly digital, real-time solution by empowering them to make real time informed credit decisions, and create their own products anytime, anywhere. The platform's fully automated robust architecture ensures lower cost of operation by driving higher efficiency.

Key Features

Credit origination

In-principle loan approval in minutes

Automated credit risk assessment

Pre-configured workflows specific business segments


Loan servicing

Intuitive product configurator

Hyper-personalised loan product.

Risk optimisation by delinquency and receivables tracking


Digital experience

Real-time tracking and customer updates.

Anytime, anywhere credit on tap

Decisions on the go with insta-alerts, deviations and fulfilment


Debt management

Predictive analystics

Segment based strategies

Optimising risks with real-time informed decisions


Collateral & limits management

Collateral monitoring across island of systems

Minimising risk with collateral sizing

Proactive limit monitoring

Key Benefits

Significant reduction in Turnaround Time - to the extent of 40%

Holistic view of credit exposures and risks across customer relationship

Proactive monitoring of portfolio and management of defaults