Digital Inside Out
LENDING
With Customer Centric
Journeys & Intelligent
Automation
DIGITAL LENDING:
A CUSTOMER-CENTRIC REVOLUTION
In the evolving landscape of digital finance, a transformation is occurring. Customers’
longing for autonomy, efficiency, and seamless experiences is driving a major shift in
the lending industry. No longer is it solely about financial offerings, but about
integrating these options into the very fabric of a contemporary customer’s life.
EMPOWERING CHOICE
AND CONVENIENCE
The modern customer demands
selection and digital execution of
services that break free from the
limitations of physical branches.
Lenders are now tasked with
offering an omnipresent,
multi-channel experience that
syncs with the digital-native
customer, ensuring swift and
intelligent solutions unfettered by
geography.
TAILORED AND
TRANSPARENT
SOLUTIONS
As the digital lending space
evolves towards transparency and
personalization, the creation of
trust and services bespoke to
individual needs becomes
paramount.
LEVERAGING
TECHNOLOGY FOR
AGILITY AND INSIGHT
In the fiercely competitive world of
SME lending, technological
innovation is key, enabling rapid
credit decisioning and sophisticated
risk forecasting—all while keeping
operational costs at bay.
01
BUILDING STRATEGIC
PARTNERSHIPS
By engaging with fintechs and
other strategic allies, credit
origination is seamlessly woven
into day-to-day activities,
surpassing the expectations of
conventional lending practices.
A UNIFIED APPROACH
TO RISK
Innovative risk assessment
powered by big data is unlocking
new markets and inclusivity,
changing not just decision-making
processes but the essence of
digital lending itself.
Digital lending is
personalization,
efficiency, and integrity
made manifest, meeting
the demands of the
digital age head-on.
02
STAKEHOLDERS
CUSTOMER
EXPECTATIONS
PRODUCT
NAME
Agents /
Relationship Manager
EFFICIENT &
INFORMED SOURCING
APPLICATION
INITIATION
10
CREDIT
DECISIONING
20
APPROVAL &
MONITORING
30
Ecosystem Partners
Credit Manager
END-TO-END
CREDIT
LIFECYCLE
MANAGEMENT
• Anywhere sourcing
• Quick data access and
Helpful tools
• Product details readily
available
• Effort redundancy
checks
ENHANCED DIGITAL
SOURCING
• Digital expansion of
sourcing channels
• Quality assurance with
verified data
• Integrated workflows
and Pre-screened
profiles
INFORMED
DECISION MAKING
• Comprehensive data
easily accessible
• Workload balancing
• Quality exposure for
informed decisions
• Collaborative decision
making and On-the-go
approval
• Individual exception
monitoring
11 Customer / Agent driven
Initiation
12 Quick Data Capture
13 Pre-Qualification
14 Loan & Schedule Simulator
15 Application & customer
de-dupe
21 Stage based data
enrichment
22 Checks against
interconnected databases
23 Rule based policy & score
checks
24 Automated routing &
approval
25 Exception & Deviation alert
26 Credit exposure across
related entities
31 Credit committee
approval
32 Automated delinquency
movements &
provisioning
33 Flexible restructuring
options
34 Post approval covenant
monitoring
40
PRODUCT
MANAGEMENT
50
FIELD
OPERATIONS
60
COLLATERAL & LIMITS
MANAGEMENT
70
DEBT
MANAGEMENT
80
PRODUCT FRONT END
Reviewer/Underwriter
Product Head
Operations Manager
Agencies
(Verification/Collection)
Collection Head
IT Heads
INSIGHTFUL
RISK ANALYS
• Advanced analytics for
comprehensive
understanding
• Portfolio performance
and Enterprise limit
monitoring
• Effective risk and loss
management
• Intelligent Underwriting
- Utilize AI to expedite
and enhance credit
decision-making
AGILE MARKET
RESPONSE
• Market expansion and
Rapid deployment
• Competitive edge
maintenance
• Profit and sales
productivity
• Adaptability and
Customer
personalization
STREAMLINED
OPERATIONS
• Seamless system
integration
• Reduced manual tasks
• Timely milestone alerts
MOBILE WORKFORCE
EMPOWERMENT
• Remote access and
Instant customer
insights
• Task prioritization and
Route planning
• Detailed feedback
mechanisms
CREDIT LOSS
MITIGATION
• Tailored collection
strategies
• Collector productivity
and Compliance
monitoring
• Actionable insights via
MIS & dashboards
TECHNOLOGICAL
EXCELLENCE
• Cutting-edge tech: AI,
Low Code, No Code,
and Cloud
• Security: Data and
Privacy
• High Availability and
Minimized disruption
• Efficient deployment
41 Access data from
structured & unstructured
sources
42 Procure information
relevant to credit risk
analysis
43 Consolidate information
44 Interpret the consolidated
data
45 Generate score
51 Three steps to product
launch
52 Segment specific product
offering
53 Multi-level pricing flexibility
54 Custom amortization
schedules
55 Templatized work flows &
business rules
61 Multi-channel access
62 Role-based information
display
63 Rule based work allocation
& prioritization
64 Geo location based work
assignments and route
planning
65 Context sensitive data
capture templates
71 Single view of portfolio
exposure
72 Plug n play adapters for
market price information
73 Real-time coverage
movement tracking
74 Counter-party and related
entities exposure
75 Cross currency exposure
valuation
81 Bespoke collection strategy
for each segment
82 Skill based routing to
maximise collection efforts
83 Detailed portfolio analytics
& flow insights
84 Settlement options &
tracking customer actions
85 Incentive planning &
roll-outs
ADVANCE
CREDIT ANALYSIS
04
BUS
INE
SS
OP
ERA
TION
S
TEC
HNOL
OGY
IMPLE
MENTA
TION
SUPP
ORT
WHAT’S HOLDING
THE FINANCIAL
INSTITUTIONS?
Customer churn
due to inability to
offer targeted
products & services
Low energy
operational branches
as against high
energy active seller
oriented branches
Inability to meet
business
requirements due
to inflexible work
flows
Rigid technology
and accelerated
obsolescence
Uncertain and
delayed go-Lives
due to high
customization
Vendor lock and
exploitation
Slow turnaround
on issue fixes
Lack of training
resulting in slow
adoption of
product
Systems working in
silos; huge
integration and
interface issues
Data inaccuracy
due to extraction
and migration
from multiple
sources
Disparate product
engines & channels;
high cost of
maintenance &
support
High bandwidth
and huge hardware
sizing
Lack of centralized
view of risk leading
to inaccurate,
inconsistent
reporting
High cost of
operations; huge
efforts for manual
recon & recon of
multiple systems
New product
launches take too
much time
END-TO-END CREDIT
LIFECYCLE MANAGEMENT
eMACH.ai Lending
provides the tools for
banks and financial
institutions to manage
their credit processes
with maximum efficiency,
yielding tangible benefits:
eMACH.ai lending all-in-one platform for versatile
digital credit solutions. With eMACH.ai Lending, banks
are equipped to face the dynamic world of lending
with an arsenal of specialized tools and adaptable
product offerings across diverse business segments,
including Retail, Corporate, SME, and Agri.
Embracing the ‘Always On, Always Aware’ concept,
eMACH.ai Lending enables banks to provide a truly
360-Degree View
of Customer Credit Portfolio and Limits
25% enhancement
in Receivable Collections
3x Growth
in Origination Volume
20% Reduction
in Past-due and Written-off Loans
digital, real-time solution to their customers. Real-time,
informed credit decisions empower banks to grant
customers a 360-degree view of their credit portfolio.
Following a DIY principle, the system allows banks to
create their products on-the-fly, ensuring flexibility
anytime, anywhere. The fully automated, robust
architecture of eMACH.ai Lending guarantees a lower
cost of operation by driving enhanced efficiency.
Through eMACH.ai
Lending, financial
institutions are not
just responding to
evolution—they
are driving it.
Minimise Credit Risk
• Centralized Real-Time
Monitoring
• Multi-Dimensional
Exposure View
• Single View of
Borrower's Exposure
• Real-Time Margin
Tracking
Seamless Onboarding
Experience
• Omni-channel Origination
• API-Based Origination
• Digital Data Aggregation
• Zero Touch
Documentation
Reduce Time to
Market
• Powerful Product
Configuration Engine
• Superior Flexibility in
Amortization
• Loan Restructuring &
Modifications
• Exhaustive Loan
Parameters
Minimise Collection
Efforts
• Real-Time Loan
Performance Analysis
• Intuitive Collection Score
- Personalized Follow Up
• Customer-Centric
Strategies
HIGHLIGHTS
06
PLATFORM OFFERING – MANAGING
END-TO-END LOAN LIFECYCLE
Loan Origination
LMS
Collections
Digital Front End
3rd Party Integrations
Tax Database
Registrar of companies
Sales Tax Data
E-Signature
CBS
Channels
ECM
SMS/Email
Bank Statement
DWH
Credit Bureau
CRM
iTurmeric
Loan
Account
Creation
Delinquent /
Pre-Delinquent
Accounts
Exposure
Details, Limit
Details
Existing
Customer
Data
Origination
Servicing
Verification
Delinquency
Detail
Capture
Assessment
Documentation
Underwriting
Policy
Payments
Knock-Off
Accounting
Closure
Amendments
Follow-up
Litigation
Agent/Agency
Allocations
Waiver/
Settlements
Repossession
Repayment
Data
Product
Management
Limit & Collateral
Management
Workflow
Management
Rule
Management
Reporting &
Communication
07
Event Driven
Microservices
API-based
Cloud Ready
Embedded AI
World’s Largest, Most Comprehensive and Innovative Open Finance Platform
Headless
Extensibility
through
configurable
events
Data streaming
in real-time
Contextual /
behavioral
workflows
Highly scalable
proven for 10,000
TPS
Independently
deployable
Progressive
modernization
Open API
standards
1200+ APIs
across Intellect
Platforms
Delineate IT
systems by
operational
spheres
Ready for
On-premises,
Private Cloud,
Public Cloud and
Hybrid
Containerized
deployment
Partners - AWS,
Azure, Google,
IBM
Ability to
externalize all
functionalities to
enable full
fledged headless
systems
Composable
UI/UX design
Embedded AI to
improve efficiency
of customer
onboarding, credit
risk mitigation and
much more
Architectural
Principles
Architectural
Benefits
08
Omni-channel
Origination
• Customer Initiated/
RM Assisted journeys
• Drop-in drop-off
alternating across
channels
Auto-Adjudication
• Integrate and fetch risk scores
from existing risk models
• Automated scoring, deviations,
affordability computation
• Real-time Decision Support for
assisted underwriting
Document Management
• End-to-end document life cycle
management
• Customized template
generation
• Zero touch Documentation
enabled by digital signatures
Auditable Conversations
• Ad-hoc deviation & exception
approvals
• Consultative decision making
• Single source of referral and
decision trails
API-Based
Origination
• Collaborate with
Fintechs
• Scale-up volumes with
zero touch processing
Digital Data
Aggregation
• Interface led data
aggregation
• Structured and
unstructured data
sources
LOAN
ORIGINATION
SMARTER & FASTER ORIGINATION
09
eMACH.ai ONE ORIGINATION –
BUSINESS READY FUNCTIONS
Loan Financials
• Fees& Charges
• Single /Multiple Disbursement
• Repayment Schedule
• Disbursement Schedule
Documentation
• Rule based document upload
• System generated documents
• Contract/Agreement Generation
Miscellaneous
• Status Enquiries
• Query Module
• Communication
Workflow & Rules
• Parallel
• Sequential
• On the Fly
• Straight Through Processing
• SLA & TAT Monitoring
• Business Rules
Verification & Valuation
• Integration Support
• Digital Verification
• Multiple types of verification &
valuation
Assessment
• Credit Approval
• Policy
• Scorecard
• Eligibility
• Assessment Reports
• Delegation Matrix
Sourcing
• Self
• Assisted
• Broker
• Customer Onboarding
• Deduplication
Data Capture
• Customer
• Loan/Cards
• Collateral
• Personal Discussion
• Approval Remarks
• Comments & Notes
LOAN
ORIGINATION
One The Origination module is a key component of Intellect's eMach.ai Lending Platform. This module
streamlines loan application processing and credit decision-making through a workflow-based intuitive and
contextual system. Designed for efficiency, it allows for real-time data capture and analysis via relevant
interfaces. Features include thorough data verification, enrichment with external sources, internal credit
scoring, and facilitates consultative opinions and reference checks across users and teams.
10
INTELLIGENCE AUTOMATION
USING AI
Embrace the power of AI for faster and more informed credit decisions, ensuring faster access
to cash and unlocking the true potential of your small businesses customers.
Get a
consolidated
view of all your
critical data
Translate Data
into Actionable
Insights
Provide
Strategic
Knowledge to
Underwriters
3 CRITICAL STEPS TO SUCCESS
STEP1
STEP2
STEP3
11
Wide Range of Collateral Types
• Properties Retail & Commercial
• Vehicles - LCV to HCV
• Equipment
• Inventory - Stock
• Securities - Equity, MF, etc.
• Time Finances assignment
• CASA assignments
• Guarantees, Promissory notes
• Receivables
• Pooling or part assignment of collateral
COLLATERAL & LIMIT MANAGEMENT
Manage Collateral Lifecycle and Limits
Comprehensive
asset details
Maximizing
collateral drawing
capability
Collaterals at any
levels with varied
coverage
Effortless creation
of new asset type
Securities
revaluation
Collateral Management
• Collateral earmarking for a certain period
• Collateral freeze & defreeze
• Asset delinking post maturity
• Collateral release
• Cross collateralization
• Valuation
• Collateral pooling
• Collateral swap
12
Collateral details
on Type basis
Collateral Information
Capture
Collateral Details
Modification
Collateral Information
Update
Collateral reuse with
other loans
Collateral Reuse
Collateral Release
Marking
Collateral Release
Basket of Collateral at
Customer Level
Collateral Pool Creation
COLLATERAL MANAGEMENT
13
MULTIPLE LEVELS OF
LIMIT MANAGEMENT
Hierarchical Definition of Limits
Across Multiple Levels
• Individual limits
• Secured & Unsecured limits
• Revolving or Fixed credit
• Sanctioned & Drawing limits
• Drawdown rules
• Drawing power adjustment
• Limit exposure across Industry /
Currency / Counterparty / Country
ABC INC
Working Capital
Trade Loans
Import LC
Export LC
Loan Term Loans
Overdraft
Supply Chain
Finance
Letter of Credit
Bank Guarantee
Term Loan
Revolving
Credit
A
Country X Entity
Country Y Entity
Projects
Manufacture
Trading
WCL
14
PRODUCT CONFIGURATOR
Loan Parameterization & Product Setup
PRODUCT TEMPLATE
INTEREST
Base Product Class
Retail | Corporate
Interest Patterns
Fixed | Floating | Hybrid |
Capitalization
Disbursal Patterns
Single | Multiple | Milestone
based
Principal Balance for Interest
Ideal | Actual | Reset
Options for Loan Types
Amortizing| Discounting
Product Category
Mortgage | Personal Auto |
Education
Secured Type
Secured | Unsecured
Interest Type
Tiered Rates
Top Up Loans
Yes | No
Countries / Branch
Countries
Branch 1 | Branch 2
Installment Variations
Fixed Principle | Installment |
Advance Installment
Others
Roll Over | Multiple
Loans to Customer
Min Max Controls
Loan value | Tenor | Net Interest | IRR
Interest Basis
Actual | 360 | 365 days
Applicability & Business Rules
Preclosure | Partial | Deferral | Maturity
Convention Rules
Holiday | Auto Reschedulement
Ready to use templates
BASE PRODUCT
DEFINITION 1
SPECIFIC
PRODUCT 1
FEE POLICY
PRIORITY
POLICY
INTEREST
MARGIN POLICY
DELINQUENCY
POLICY
ACCOUNTING
POLICY
PENALTY
CHARGES POLICY
SPECIFIC
PRODUCT 2
SPECIFIC
PRODUCT 3
BASE PRODUCT
DEFINITION 2
15
LOAN SERVICING
The Intellect Loan Management Module offers a sophisticated solution for
post-disbursement loan management in banks. It handles account booking,
disbursement, interest computation, due dates, payment allocation, and various
adjustments like repayment reversals and waivers. Additionally, it supports early
and regular loan closures, rate changes, deferrals, delinquency management,
collateral activities, and more.
Product Creation
• Product Definition
• Rate Type Scheme
(Tier/Hybrid/Floating/Adjustable)
• Due knock off priority scheme
• Fee Scheme
• Credit Scheme
• Penal scheme
• Delinquency scheme
• Accounting scheme
Transactions
• Scheduled Payment
• Payment Reversal
• Excess Adjustment
• Adhoc Fees & Waivers
• Manual Delinquency
• Closure (Maturity & Early)
• Loan & Disbursal Rescheduling
• Deferral
• Waivers
EOD / Batch Process
• Interest calculation
• Accrual – Due Creation
• Late payment fees
• Delinquency movement
• Auto Closure
• Auto Reschedule
• Auto RPA cleanup
• Provision calculation
• Financial postings
Booking/Initiation
• Entity Definition
• Project Definition
• Retail Loan Booking
• Corporate Loan Booking
• Top-up loan
• Rollover loan
• Disbursal
• Document creation
• Notepad
• Payout
Maintenance
• Associate Details
• Collateral Details
• Disbursal Hold
• Interest Rate Change
• Link-Delink Fees
• POS Change
• Repayment Mode
• Holiday Master
• Bulk Uploads
Queries
• Loan Queries
• Collateral Queries
• Loan statement
• Notepad Query
• Standard reports
• Bulk payment
• Bulk deferment
16
DEBT MANAGEMENT
Debt Management Key Business Processes
Data Upload
Linking of Accounts
Portfolio
Segmentation
Prioritized Worklist
Action Code Capture
Customer Interaction
Review and Reassign
Queue allocation
Internal / External
Agency
Assignment to
Collector / Pool
Activity set up as-per
defined rules
Reassignment as per
defined rules
Escalations by
defined rules
Capacity Planning
Portfolio
Performance
Account Score &
Risk Rating
Settlement workflow
Legal & Repossession
Payouts
SMS / Email /
Letter
17
eMACH.ai LENDING OFFERS
Change workflows on
your own
Create new screens,
add / modify fields
Change policy rules
on your own
Change the communication
templates
Apply / modify
credit policies
Create reports
on your own
Create Scoring
models
Launch / modify offerings
(Loan products)
Definition of events
Control of APIs
orchestration
18
5 PILLARS OF INTELLECT LENDING
PLATFORM MAKES IT POSSIBLE
Customization Console
• Default Screens, Domain Objects, Fields
• Default Event Payloads, New Events
• Alerts & Notifications
• Documents Generated
• Data Sent to Interfacing Systems
iTurmeric
• Credit Workflows
• API Orchestration
• New APIs
• Event Listeners
• New Screens – Fluid Pages
Business Rules Engine
• DMN based rule engine
• Configuration - Rules,
Policies, Scorecards
• Decisioning Models
• Version Control
Product Engine
• Option to clone and create
• Specific masters for different
parameters
• Centralized maintenance
Reporting
• Bespoke reports &
Dashboards
• Extracts
• Data Dictionary
• Report Library
19