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Lending
Lending is evolving. Customer preferences are changing. New digital-first players, with innovative, customer-centric propositions are rising, and the ecosystem is rapidly growing in complexity. Lending is no longer confined to the boundaries of bank branches and is increasingly being embedded in wider customer services – moving much closer to where the purchase transactions actually happen. As business complexity increases, specialist lending software with sophisticated features, powered by cutting edge technology, is the difference between success and failure. For 3 decades, Nucleus Software has helped more than 200 financial institutions across 50 countries drive innovation, unlock business value and deliver outstanding customer experiences across retail lending, corporate lending, automotive financing, leasing and Islamic financing.
FinnOne Neo, the 10 time winner world’s best-selling lending software, helps banks and other financial services companies profit from digitization, mitigate credit risk and gain unbeatable competitive edge across the complete loan life-cycle. The comprehensive portfolio includes specialized software solutions for loan origination, loan servicing, loan collections, enterprise content management, collateral management, document management, lending analytics, mobile apps, web portal, API management portal and chatbots. FinnOne Neo Digital Channels includes mobile applications and web portals for loan origination, self-sourcing, self-service, collections and delinquency management, geo location tracking of field agents and AI powered conversational chatbot on instant messaging platforms such as WhatsApp. We design, develop and configure computer hardware and software for banks and other organizations in the lending industry.
FinnOne Neo Retail Lending
FinnOne Neo, a next-generation digital lending software powered by an advanced technology platform, has been designed to shape the future of lending. The globally acclaimed, award winning software digitizes the complete loan lifecycle end to end - from initial contact with customers and helping make better credit decisions faster to comprehensive loan servicing and sophisticated delinquency management. An omni-channel solution, FinnOne Neo can be rapidly deployed on-premise or on public, private or hybrid cloud depending on the business need.
1. FinnOne Neo Customer Acquisition System
FinnOne Neo Customer Acquisition System is a sophisticated lending software, which digitizes and automates the end-to-end processes involved in loan origination to optimize loan operations, speed-up processes, eliminate manual errors and minimize credit risk. The solution offers an extensive set of business configurations, configurable rules and policies with a robust, highly parametrized and flexible architecture, which help in launching new loan products quickly thereby substantially reducing the time to market. With its best-in class API capabilities and Service Oriented Architecture (SOA) design, FinnOne Neo provides comprehensive decision support for underwriters, while standardizing the application of business rules and policies. The loan origination stack is powered by self-sourcing channels on mobile (mApply) and web (eApply) and comprehensive loan onboarding solutions used by the field agents on mobile (mCAS) and web (Sales Assist).
2. FinnOne Neo Loan Management System
FinnOne Neo Loan Management, an advanced loan servicing software for banks and other financial services companies, reduces turnaround time and enhances service experience for loan customers. The configurable rules and policies allows lenders to provide differentiated repayment options, configure late payment penalties, loan rescheduling, loan cancellation, cancellation simulation and restructuring of loans. STPs and auto schedulers help in automating End of Day processing, report download, transaction upload to be executed on a daily, weekly, monthly frequency as suited to the business requirements. The specialized solution enables lenders to drive higher efficiencies and unlock profitability. Loan servicing for end customers is powered by self-servicing solutions on mobile (mServe), web (eServe) and OTT messengers (myLoan) such as Whatsapp, which helps improve customer convenience and reduces the cost of operations.
3. FinnOne Neo Collections
FinnOne Neo Collections is a comprehensive and advanced workflow based loan collections software that allows financial institutions to manage, monitor and control delinquent loan accounts while automating the loan collections management framework. The solution empowers the institutions to define strategies for classification, allocation and follow-up actions as well as maintain details on repossessed assets, with support for valuation and disposal of repossessed assets. The collections stack also includes a mobile loan collections solution (mCollect) for the field collectors to reach out to customers where they are and completely digitize the last mile collections function.
4. FinnOne Neo Enterprise Content Management System
FinnOne Neo Enterprise Content Management (ECM) is a comprehensive software designed to digitally mange enterprise content by automated processing throughout the loan life-cycle, for higher operational efficiency, reduced costs and faster loan processing. The solution provides quick upload, indexing, retrieval, bulk scanning and transfer of digital documents while supporting long-term archiving based on configurable archival policies. The solution helps in establishing a seamless workflow by supporting document version management and creation of audit trails to ensure a robust internal governance model. FinnOne Neo ECM automates the complete document management processes enabling lenders to transition from paper-based to completely digitized loan operations.
5. FinnOne Neo Finance Against Securities
FinnOne Neo Finance Against Securities (FAS) establishes credit lines to individuals and corporate against the pledging of financial securities including & not limited to equity shares, mutual funds and government and corporate bonds. It is an end-to-end financing software, which automates the business processes right from portfolio/Account creation to daily assessment of the portfolio value to account closure. With its powerful simulators, the solution helps banks evaluate potential portfolios and determine credit limits based on potential lodgment, withdrawal and swapping of securities. FinnOne Neo FAS allows manual and auto lodgment of securities with scrip valuation based on market price, margin percentage and product parameters defined by the institution to automate the processes end-to-end, ensuring fast, streamlined and cost effective processing.
6. FinnOne Neo Collateral Management System
FinnOne Neo Collateral Management System (CMS) is an advanced technology solution designed to simplify the management of various collaterals associated with loans resulting in enhanced efficiencies, better risk management and effective controls. FinnOne Neo CMS acts as a central repository and provides a 360 degree view of collaterals across the organization resulting in more controls on loan performance and swift recovery in case of a default. The system can be easily integrated with various external systems including loan origination, servicing and collections using in-built APIs.
FinnOne Neo Corporate Lending
To become a customer-centric corporate lender of the future, banks and other financial services companies need to offer tailored solutions, reduce time-to-market and turn agile. Nucleus Software’s FinnOne Neo Corporate is an end-to-end digital corporate lending software that delivers the business agility required in lending to large corporates and Small-to-Medium Enterprises. The technologically advanced solution enriched with Nucleus Software’s deep domain experience helps corporate lenders manage the complete loan lifecycle from origination to servicing and delinquency management.
1. FinnOne Neo Corporate Customer Acquisition System
FinnOne Neo Corporate Customer Acquisition System is designed to cater the complex credit assessment needs of SME / corporate finance and offers seamless customer on-boarding inclusive of comprehensive credit and risk analysis. The corporate lending software offers the facility to process the deals constituting proposal for credits against multiple products or product categories at one go also providing the flexibility to process single or multiple contracts within approved product categories with the added provision of single or multiple disbursements.
2. FinnOne Neo Corporate Loan Management System
FinnOne Neo Corporate Loan Management System has been designed to help banks and other financial services companies offer digitized, optimized and automated loan servicing capabilities that help drive higher efficiencies and enhanced customer satisfaction. Along with complex repayment structures including target IRR based calculations and deferred recovery structures using redemption options, the corporate lending software provides the flexibility to make alterations to the future repayment structure with changes to the contract parameters anytime during the tenure. FinnOne Neo Corporate Loan Management provides easy configurability of services such as changes in contract terms due to additional disbursements, prepayments, interest rates, tenures and repayment structures.
3. FinnOne Neo Corporate Loan Collections System
FinnOne Neo Corporate Collections System helps banks minimize delinquencies through the efficient, automated tracking and management of delinquent accounts. The corporate lending software optimizes the entire loan collections lifecycle from soft calling of delinquent customers to tackling hard bucket collections, including the follow up of legal cases until final closure. It comes with features such as use of multiple challengers against one champion strategy, case stamping to allow the automatic assignment of cases based on defined parameters and rule based automatic allocation of cases to collectors.
4. FinnOne Neo Corporate Collateral Management System
FinnOne Neo Corporate Collateral Management System enables effective lifecycle management of enterprise wide collaterals and supports various collateral types including immovable property (such as land and buildings), financial products (such as fixed deposits, mutual funds, banks guarantees, securities, etc.), precious metals / commodities, assets including commercial / personal vehicles and many other standard / non-standard securities. The corporate lending software provides end to end capabilities starting from capture of detailed information about a collateral, lien maintenance, valuations, verifications and periodic systemized reviews through to release and liquidation.
