Consumer Lending Software

Automated Workflows

Origination

Credit Scoring

Servicing

Debt Collection

Automated Workflows

Whether you are a bank, alternative lender, credit union or finance company, HES BPM-driven consumer loan software manages complex workflows in a seamless and automated way. From fast end-to-end application process to managing document flows and collecting payments, the platform stands for critical demands of both consumers and lenders.

Origination

Reduce loan processing time to increase efficiency and enhance the customer experience. Automate each step of your credit process for faster and better loan decisions. Speed up time to fund and eliminate manual processing throughout the lending lifecycle.

— Business workflow automation
— Customer due diligence
— Client AI-based credit scoring

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Servicing

Streamline loan servicing with dozens of possible customization options. Set up calculations for various loan types, payment protection plans, and keep your business compliant with loan operation regulations.

— Automate loan disbursement
— Configure, calculate and track payment schedules
— Perform day-to-day calculations for accruals, write-offs
— Implement direct debit for loan repayment

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Credit Scoring

Automate underwriting process, thoroughly assess the financial standing of potential borrowers and better identify creditworthy customers. Have your in-house decision making process or leverage proprietary scoring models and credit bureau ratings. Adjust and train the system to make correct decisions once sufficient data is collected.

More About GiniMachine AI Scoring

Debt Collection

Automate and optimize collection operations. Sophisticated and flexible soft or legal collection features, pre-collection module. Implement automatic notifications (email, SMS, etc.), adjust a loan repayment module according to your business needs.