Auto Loan Management Software

Origination

Underwriting

Servicing

Collections

Integrations

Origination

Automate loan origination, ensuring a fast application process, credit and risk scoring, document management and, finally, top it up with a quick disbursal and loan life-cycle calculation.

— Omnichannel onboarding. Application flow and private account
— Automatic and paperless work with documents
— Customer due diligence
— Fast processes and ability to approve in minutes
— DMN approach to decision-making

Loan Origination

Underwritting

Traditional loan origination process involves a lot of paperwork and manual credit scoring. HES Fintech’s decision-making module allows lenders to assess individual default risk automatically and in a matter of minutes.

— Leverage AI and machine learning in auto financing
— Streamline KYC/AML and ID checks
— Have your own scoring algorithm implemented
— Integrate with any 3rd party scoring providers

Servicing

HES offers a complete auto loan servicing system that automates processes from loan disbursement to its closure. The platform is fully configurable so you can quickly bring new products to market or update existing offerings.

— Create loan products of any type
— Reschedule loans. Change the loan structure and term
— Generate payout transactions and register incoming payments automatically via APIs
— Simulate payment schedule with loan amounts and terms

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Collections

Take actions on delinquent accounts. Track and automate the collection process.

— Utilize a bucket approach to your collection processes
— Customize notice letters and notifications. Set trigger events
— Keep a registry of collection agencies and debts sold
— Automate collection processes with PBX systems

Integrations

Everything is about data. In order to support business processes, car lenders need to fetch data. HES Fintech provides auto dealers with third party integration services, from KYC providers to collateral registries.