The HES Core™ with 20+ scalable modules for full-cycle loan management, from loan origination to collection
Automate and streamline the entire process. Onboarding in a matter of minutes. Enhanced digital user experience.
Multi-Channel Loan Application
Collect loan applications from multiple channels both online and offline, including web, mobile, call centres and more.
Feature-Rich Personal Account
Borrowers can track active and past loans, extend or roll over loans, monitor payment schedules and more.
Easily handle customer and loan management processes. Manage and track your customers, their loans and payments.
Advanced Roles, User Models
Create your company’s structure (HQ, offices, etc.). Manage roles, define permissions, assign roles to users and audit their activity.
Credit Scoring Module
Build an in-house decision making process or integrate with 3rd party providers.
Calculation | Product Engine
Create a range of loan products. Set up borrower payment schedules and track payments.
Manage loan agreements, offers, contracts, notes and other system documents.
Payments and Money Transfer
Send money to customers’ bank accounts, debit cards, electronic wallets, etc. Monitor the results and automatically initiate loan calculations as appropriate.
Attract and retain borrowers, build brand awareness campaigns, track the results of your lead generation campaigns, including CPC/CPA and partnership networks.
Security Settings and Preferences
Manage user permissions using role-based access control features. Define password policies. Build rules to allow or block access by device ID.
Send automatic/scheduled emails, SMS to customers. Anchor notifications to a specific event in a customer’s credit history.
Reduce time-consuming processes, which cause delays to the total procedures. Model business processes with the BPMN module.
Check and validate all the data entered by a customer on the fly (address, contact details, passport expiration dates, etc.).
Statistics and Reporting
Get relevant statistics, leverage visualisation tools. Use a predefined set of reports; add, edit customised reports.
The borrower-lender matching engine delivers advanced capabilities for automatic loan matchmaking.