{"id":9099,"date":"2022-03-30T05:33:19","date_gmt":"2022-03-30T05:33:19","guid":{"rendered":"http:\/\/3.111.132.52\/?page_id=9099"},"modified":"2022-11-21T07:34:20","modified_gmt":"2022-11-21T07:34:20","slug":"incredihub","status":"publish","type":"page","link":"http:\/\/3.111.132.52\/index.php\/incredihub\/","title":{"rendered":"InCrediHub"},"content":{"rendered":"

[vc_row full_width=”stretch_row” css=”.vc_custom_1668082314938{padding-top: 0px !important;padding-bottom: 0px !important;}”][vc_column css=”.vc_custom_1668081955458{padding-top: 0px !important;padding-bottom: 0px !important;}”][\/vc_column][\/vc_row][vc_row tlg_parallax=”not-parallax” css=”.vc_custom_1668081106657{background-image: url(http:\/\/3.111.132.52\/wp-content\/uploads\/2022\/11\/Loan-Origination-bg.png?id=11246) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}” el_id=”LOS”][vc_column][vc_row_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][vc_column_inner width=”2\/3″ css=”.vc_custom_1667048254828{padding-right: 60px !important;padding-left: 60px !important;}”]

Loan Origination System<\/h2>
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Enables business-users to set up loan application journeys as well as aggregation of relevant borrower credit, identity and financial information from conventional\/alternate data sources<\/div><\/div><\/div>[\/vc_column_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=”.vc_custom_1667024851067{margin-bottom: 60px !important;}”][vc_column_inner width=”1\/6″][\/vc_column_inner][vc_column_inner el_class=”inner-white-box default-list box-p-0 box-img-left fix-list-alignment col-box-shadow col-card” width=”2\/3″][vc_column_text css=”.vc_custom_1668083892081{padding-bottom: 20px !important;}”]<\/p>\n

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Origination Hub<\/span><\/h3>\n
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  • Front-end for capturing loan application details<\/li>\n
  • Custom-built based on client requirements<\/li>\n
  • Delivered via mobile app\/browser app<\/li>\n
  • Direct Borrower\/Channel-Assisted journeys<\/li>\n
  • Captures borrower demographics, financials and loan details<\/li>\n<\/ul>\n

    [\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][vc_column_inner el_class=”inner-white-box default-list box-p-0 box-img-left fix-list-alignment col-box-shadow col-card ” width=”2\/3″][vc_column_text css=”.vc_custom_1669015941065{padding-bottom: 20px !important;}”]<\/p>\n

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    Aggregation Hub<\/span><\/h3>\n
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    • Source and validate borrower credit \/ identity \/ financial \/ other information viz. KYC, bureau score, digital bank data etc. as well as other proprietary data<\/li>\n
    • Own\/Partner-provided Alternate Data solutions, viz. Socio-Economic Profile Score, Psychometric Profile Score, GSTN Insights, Mobile Intelligence etc.<\/li>\n
    • A range of pre-integrated services reduce time & cost for custom development, and yet retains the agility to quickly ingest new integrations<\/li>\n<\/ul>\n

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      Credit Business Rules Engine<\/h2>
      Business Users can easily configure derived variables, credit rules\/scorecards and set up granular, credit assessment frameworks (based on product\/segment\/geography\/channel etc.) on an ongoing basis.<\/div><\/div><\/div>[\/vc_column_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=”.vc_custom_1667025719517{margin-bottom: 60px !important;}”][vc_column_inner width=”1\/6″][\/vc_column_inner][vc_column_inner el_class=”inner-white-box default-list box-p-0 box-img-left fix-list-alignment col-box-shadow col-card” width=”2\/3″][vc_column_text css=”.vc_custom_1668510236860{padding-bottom: 50px !important;}”]<\/p>\n

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      Assessment Hub<\/span><\/h3>\n
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      • Set up a wide array of credit rules\/scorecards, weight scorecard parameters as needed, STP\/NSTP classification etc. Originators can also set up multiple lender assessment structures on the same hub.<\/li>\n
      • Configure and define the intelligence for application of these credit rules\/scorecards.<\/li>\n
      • Computes the \u2018application credit score\u2019 for a specific application.<\/li>\n<\/ul>\n

        [\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][vc_column_inner el_class=”inner-white-box default-list box-p-0 box-img-left fix-list-alignment col-box-shadow col-card” width=”2\/3″][vc_column_text css=”.vc_custom_1668083923200{padding-bottom: 20px !important;}”]<\/p>\n

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        Decision & Disbursal Hub<\/span><\/h3>\n
          \n
        • Decisions the application based on the computed score and any other rules. Originators can run this for multiple lenders on the same hub and flash one or more offers to the borrower<\/li>\n
        • Provides a \u2018white box\u2019 construct for stakeholders, viz. the Risk Policy team, such that they always have granular visibility at an individual application level.<\/li>\n
        • Leverage AI\/ML as a service for making more robust credit decisions.<\/li>\n
        • Pre-integrated disbursal facilitation services viz. e-Sign, e-Nach, PennyDrop etc. Can be based on choice of lender in case of an originator.<\/li>\n<\/ul>\n

          [\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=”.vc_custom_1668081446190{margin-bottom: 70px !important;}”][vc_column]

          Workflow Engine<\/h2><\/div><\/div>[vc_row_inner][vc_column_inner width=”1\/2″][vc_single_image image=”9076″ img_size=”full”][\/vc_column_inner][vc_column_inner el_class=”default-list” width=”1\/2″][vc_column_text]Multiple workflows can be configured for different product\/segment\/ geography\/channel combinations allowing lenders to cater to \u2018micro markets\u2019 as opposed to a monolith structure. Similarly, originators can configure multiple lender-specific workflows. This is further supported with increased operational visibility at a micro-service level for simpler debugging of issues.<\/p>\n
            \n
          • Front-end configuration allows multiple workflows to be easily set up across functions viz. Sales, Credit Operations etc. as well as across multiple lender-product combinations.<\/li>\n
          • Workflows range from sequencing various aggregations with \/ without rules, pre-credit assessment checks, actual credit assessment, decisioning, disbursal initiation.<\/li>\n
          • Allows client organizations to set up as many workflows as they need, and also have granular visibility at an individual element-level within a workflow.<\/li>\n
          • Micro-service structure for process workflows makes it easier to identify \/ debug in case of any failures.<\/li>\n<\/ul>\n

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            Workflow Engine<\/h2>
            <\/div>

            Multiple workflows can be configured for different product\/segment\/ geography\/channel combinations allowing lenders to cater to \u2018micro markets\u2019 as opposed to a monolith structure. Similarly, originators can configure multiple lender-specific workflows. This is further supported with increased operational visibility at a micro-service level for simpler debugging of issues.<\/p>\n

              \n
            • Front-end configuration allows multiple workflows to be easily set up across functions viz. Sales, Credit Operations etc. as well as across multiple lender-product combinations.<\/li>\n
            • Workflows range from sequencing various aggregations with \/ without rules, pre-credit assessment checks, actual credit assessment, decisioning, disbursal initiation.<\/li>\n
            • Allows client organizations to set up as many workflows as they need, and also have granular visibility at an individual element-level within a workflow.<\/li>\n
            • Micro-service structure for process workflows makes it easier to identify \/ debug in case of any failures.<\/li>\n<\/ul>\n

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