Bank Loan Management Software

Automation

AI Scoring

Customization

Integrations

Security

Automation

With HES Fintech, traditional and digital-only banks of any size in any market can automate step by step loan lifecycle management. Modernize your platform to make workflows as automated and optimized as possible with no overhead in staff or manual actions.

— End-to-end digitalization of lending routines
— Optimization of workflows from onboarding to collections
— Automation of risk management and credit decisioning
— Streamlined and paperless document management

AI Scoring

Have your in-house scoring solution implemented or utilize proprietary underwriting models. HES Software simplifies credit scoring activities for lenders, lowers operating costs and enables quicker turnaround on decisions.

— Your custom scoring solution (a unique scorecard will be automated)
— Integration with credit reference agencies, other data sources
— AI-powered credit scoring platform by HES Fintech
— Final strokes of manual assessment

Learn More about GiniMachine AI

Customization

Many banks exist in a monolithic structure. HES Lending Platform is a modular system that can be fully customized to meet specific business and legal requirements. The structural foundation of the platform is the HES Core™, an isolated codebase implemented in Java. The Core is composed of a set of 20+ prebuilt modules that are easily configured and implemented to provide functionality both for online borrowers (front-end components) and back-office employees (back-office modules).

Integrations

Leveraging integrations with valuable data sources and third-party providers, HES connects key services with lending software, creating the optimal work environment.

The platform is seamlessly integrated via APIs with existing core banking software as well as external parties like credit bureaus, AML/KYC, payment systems, BI solutions, accounting systems, e-signature providers to mention a few.

Security

Security measures are embedded through the system development life cycle (SDLC). The platform is built on leading technologies, which adhere to enterprise-level security standards, and are widely used in projects worldwide.