Ganak
Product Description
GANAK plays a major role in the credit underwriting process, which helps credit organization by
providing different analysis to take decision in sanction/disbursal process. Which included analysis of
- Statement Analysis engine predicts the worthiness of an individual and his/her credibility for a loan, after analyzing a considerable number of bank transactions, with the assistance of ML algorithm, text extraction, data categorization and analysis techniques.
- ITR Analysis provides insight on the customer’s financial data in real time manner.
- bank statement is the summary of the inflows and outflows of any account holder during the specified period. The bank’s transactional history is considered robust documentation for assessing any account holder’s financial health. All sources of revenues, expenses, withdrawals, overdraft payments, credit card payments, etc. becomes a part of the bank statement as and when incurred.
- Based on the customer consent by using the customer’s credentials, system will collect the data from ITR portal.
- System collects the data from various credit bureau systems and analyze and provides decision parameters which helps the underwriter to take smart decision during the loan sanction process.
ganaseva digital lending platform
Product Description
ganaseva digital lending platform enables financial institutions to streamline lending and offer their customers the convenience of self-service digital loan experiences.
Aimed at making loan origination simple, the solution turns lending into a quick, painless process and helps to sustain customer-centric digital experiences at scale. It replaces traditional loan processes with dynamic loan application and provide them with the best lending experience.
GANASEVA digital lending platform offers flexibility to banking and NBFC clients through on-premises deployment or cloud-based access. The platform enables complete ‘Straight Through Processing’ whereby the customer can be given a credit decision without manual intervention
Benefits
- Platform ensures minimizing manual interventions in the customer journey.
- Onboards NTB & ETB customers seamlessly through E-KYC integrating with external agencies and internal systems.
- Verification of Bank statements, PAN, UDAI, UDYAM, AML, Aadhaar, CIBIL for comprehensive validation.
- Enables transparent application tracking, reflecting bankers' actions at every stage.
- Customizable Business Rules Engine (BRE) for efficient digital loan decision-making.
- Residence & Office verifications, Geo-tagging of locations.
- Platform enables digital documentation execution thus making the entire process completely digital and paperless
- Digital underwriting through platform – Net-worth & Stability, Credit History, ITR, Financials, Score card and CAM generation.
SaaS LOS (Loan Origination System)
Product Description
Our SaaS LOS represents a comprehensive digital lending solution, catering to a broad spectrum of financial institutions including Banks, NBFCs, and FinTech’s. Our suite encompasses digital onboarding, loan origination, rule engine, and APIs. Our platform facilitates the swift and effortless launch of financial operations, including loans and EMI deposits.
It is a highly automated and adaptable digital
lending stack with seamless integrations, meticulously crafted to address the varied needs of lenders
and customers alike. This solution boosts data efficiency and reporting capabilities for the institution,
facilitating the path to valuable insights, scalability for expansion, and increased digital revenue.
This system has built-in compliance with its cloud-based architecture, full configurability,
data-driven methodology, and role-based functions, giving you the insights and tools required for
smooth and effective operations.
- SaaS LOS solutions are hosted in the cloud, enabling clients to access the application from anywhere with a proper internet connection, providing flexibility and accessibility to them.
- This system will offer intuitive user interfaces which will make it easy for Loan Officers, customers, and other stakeholders to navigate through the loan origination process.
- This system will include document management capabilities for organizing, storing, and accessing loan-related documents securely. It will include features such as document indexing, version control, and electronic signatures (e-sign).
- SaaS LOS platform will offer integration with other systems such as credit bureaus, core banking systems, CMS systems, and third-party data providers to streamline data exchange and enhance functionality.
- SaaS LOS platform will provide reporting and analytics tools that will enable users to track key performance, monitor loan pipeline metrics, and gain insights into the loan origination process.
