Retail Lending Solutions | Consumer Loan Origination, Servicing & Collections Management Software

An advanced technology platform, designed to deliver agile and efficient solutions while drastically reducing the cost of operations.

Corporate Lending

Enhanced Agility via Digitizing SME and Corporate Lending.

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Retail Lending

End-to-end digital lending across the entire lifecycle of origination, servicing & collections.

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Islamic Finance

Interest Free Banking Governed by Shariah Principles.

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Automotive Lending

Advanced Automotive Lending Software for complete loan life cycle management.

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Digital Transaction Banking suite that is modular for a composable banking experience.

Integrated Transaction Banking Suite – FinnAxia®

FinnAxia®, End-to-end Global Transaction Banking Suite; optimally manages Receivables, Payments, Liquidity, Financial Supply Chains and Corporate Trade.

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Ensure responsible Lending with our API-backed products for easy & seamless connectivity to the financial ecosystem.

FinnOne Neo® mFin

Easy, fast and digitized access to microcredit, anytime, anywhere.

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Payse®

An offline and online digital cash solution designed to democratize finance.

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Nucleus Software Logoclose
Seamless retail lending platform for an end-to-end digital transformation
Accelerate go-to-market

Float innovative, customer-centric products quickly and easily. Effortlessly configure business processes & credit policies.​

Unparalleled omni channel experience

Enhance self-assisted customer experience across web, mobile, WhatsApp, Google Home, wearable devices & more​.​

Cloud ready

We deploy cloud solutions that deliver optimal utilization of infrastructure while improving business agility, selecting the best fit cloud platform for our customers.​

Intelligent decisioning

We use artificial intelligence, data, and business rules to automate decision-making processes to enable smart workflows, ensure compliance, and prevent risk, thus increasing productivity.

Deliver business agility while reducing risks & operational costs across Origination, Servicing & Collections
Customer Acquisition Module

Improve customer experience with faster onboarding, automated credit evaluation, and underwriting for a seamless process. The built-in interface with multiple Credit Bureaus enables straight-through processing (STP) and modernizes the credit appraisal process. Additionally, seamlessly integrate dynamic form details into GCD, ensuring comprehensive data storage and accessibility. Enhanced flexibility with manual and auto closure options empowers users to make informed decisions.

Loan Management Module

Empower loan servicing with a robust core engine, tracking AUM down to the 8th decimal. Utilize highly configurable rules for restructured repayment options, late payment penalties, and loan rescheduling. Additionally, automate backdated closure, streamline cashback processes, configure loan closure eligibility, and facilitate first disbursal cancellation.

Sophisticated Collections Management

An advanced platform offering extensive collections strategies, an automation-ready framework, and digital APIs for seamless interfaces. It supports end-to-end customer follow-up, is highly configurable and customer-centric, providing comprehensive customer exposure views to collection teams. Our system enables you to establish personalized criteria for account classification, accelerate backdated BOD file processing, and govern collected amounts effectively.

Enterprise Content Management

Intelligent content automation from upload and processing to search, retrieve and archive electronic documents. Seamless integration with multiple loan origination systems, helping lenders transition from paper-based to fully digitized operations.

Scalable Collateral Management

Advanced central repository that provides a 360-degree view of collateral across the organization, resulting in more controls on loan performance and swift recovery in case of a default.

Mobile and Channel Modules

Seamless digital lending on mobile and web portal via agent facing and end customer offerings. Achieve faster customer on-boarding, easy loan servicing, efficient delinquency management & geo-tracking via various reports.

Specialized product capabilities for retail lending

  • Buy now pay later (BNPL)
  • Personal loan
  • Consumer durable loan
  • Education loan
  • Microfinance loan
  • Commercial equipment loan
  • Automotive finance
  • Agriculture loan
  • Buy now pay later (BNPL)

  • Personal loan
  • Consumer durable loan
  • Education loan
  • Microfinance loan
  • Commercial equipment loan
  • Leasing
  • Automotive finance
  • Agriculture loan
  • Overdrafts
  • Gold loan
  • Mortgages
  • Finance against security
  • Credit card
  • Kisan credit card
  • Micro housing loan
  • Farm equipment loan
  • Overdrafts
  • Leasing
  • Finance against security
  • Kisan credit card
  • Credit card
  • Mortgages
  • Micro housing loan
  • Farm equipment loan
  • Gold loan
Specialized Product Capabilities for Retail Lending
Buy Now Pay Later (BNPL)
Consumer Durable Loan
Automotive finance
Gold Loan
Education Loan
Personal Loan Micro Housing Loan
Microfinance Loan
Agriculture Loan
Commercial Equipment Loan
Farm Equipment loan
Mortgages
Credit Card
Kisan Credit Card
Finance Against Security
Leasing
Overdrafts

Transforming banking worldwide

80+

Customers using our Personal Loans Module

90+

Customers using our Auto Loans Module

70+

Customers using our Home Loans Module

45%

Reduction in Turn-around-time for On-boarding for a Bank

30%

Reduction in Cost per Transaction for an NBFC

60%

Reduction in Turn-around-time for Collections

85%

Reduction in Bank’s Collections Float Money

Discover more

Mr. Sunil Kapoor, Managing Director of Roha Housing Finance talks about digitizing the mortgage business, his experience with Nucleus FinnOne Neo® and how Roha is using technology to offer faster, simpler and transparent services to its customers.

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Mr. Sunil Kapoor
Managing Director, Roha Housing Finance Pvt. Ltd.

Our partnership with Nucleus Software has been exceptional. For over 12 years, their lending platform, “FinnOne™, has been integral to our operations at Fidelity Life Financial Services (Pvt) Ltd, Zimbabwe, supporting critical functions such as customer acquisition, loan servicing, and collections management. Nucleus Software team provides continuous support, resolving issues and demonstrating expertise. Further, Nucleus Software continues to provide exceptional support, ensuring smooth operations for End-of-Day (EOD) and Beginning-of-Day (BOD) processes. Nucleus Software has proven to be a vital partner, offering domain expertise, and unwavering support. Their contributions have significantly enhanced our operational resilience and success. We recommend their services to any financial institution seeking a technology partner.

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Mr. Brighton Wesley
Managing Director, Fidelity Life Financial Services

Chola has been availing the services of Nucleus from 2006. Nucleus Software has been supporting Chola in its technological transformation over the past 18 years. Nucleus has supported us in the implementation of the Loan Management System, FinnOne Neo® and in refinement of its operations to meet regulatory standards. The integration of their flagship products, FinnOne™ and FinnOne Neo®, has helped Chola in meeting its business requirements. We look forward to continue our engagement with Nucleus Software to enable our customers to enter a better life.

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Mr. Mahesh Madhukar Waikar
Executive VP & Head - Operations, Business Enabler, Chennai HO, Cholamandalam Finance

Nucleus Software has been rendering its services and supporting Chola’s digital transformation from 2006. The offering of Loan Management Systems like FinnOne and FinnOne Neo® by Nucleus Software has helped Chola in the launching of new loan products and offering of excellent customer service. We look forward to the continuous engagement with Nucleus Software for maintaining the high standards in our customer service.

brand
Mr. Durgaprasad Swaminathan
Executive VP & CIO - Information Technology, Chennai HO, Cholamandalam Finance

Our journey with Nucleus Software has been a cornerstone of our growth and success for over 13 remarkable years, beginning in 2011. Throughout this time, their unwavering commitment to excellence and innovation has been a constant source of inspiration and support for us. The Nucleus Software team has been pivotal in deploying and optimizing a range of critical solutions spanning the loan life cycle. Their proactive approach and heartfelt dedication have not only streamlined our processes but also enriched our operational efficiency. We deeply cherish the responsive and professional support they provide, which has been a bedrock of our ongoing success. As we look to the future, we are excited and eager to continue building on this strong foundation and exploring new horizons of innovation and improvement together. With Nucleus Software by our side, we are confident that we will achieve new milestones and create even more impactful stories of success. Their expertise and unwavering support will always be a vital part of our journey.

brand
Mr. K Siddharth
COO, Fedbank Financial Services Ltd.

World Financial Innovation Series (WFIS) 2024, Indonesia
Singapore FinTech Festival 2024
SFF 2024 brings together the global FinTech community to engage, connect, and collaborate on issues relating to the development of financial services, public policy, and technology.
Future of Financial Services 2024, Sydney
The Future of Financial Services is the one-stop source for technology and innovation in Australia’s banking and financial services sector, and one of the largest in the Southern Hemisphere.
Auto Finance Summit 2024, Las Vegas
24th Auto Finance Summit served as a convergence point for auto lending and leasing professionals, allowing them to immerse themselves in progressive technology and strategic foresight.
Middle East Banking Innovation Summit (MEBIS) 2024
MEBIS will bring together more than 400 senior bankers from across the Middle East region. The primary objective of this summit is to explore the latest advancements in banking and fintech sectors.
FIBAC 2024: Banking for a Viksit Bharat
FIBAC 2024, organized by FICCI and IBA, is India's leading banking conference. With the theme "Banking for a Viksit Bharat," this flagship event gathers industry leaders and global experts to discuss key trends, strategies, and the future roadmap for India's banking sector.
Nucleus Software Presents Banking Transformation Summit 2.0
Banking leaders take center stage on CNBC TV18 to share their expertise on advancements, real-world lessons, and insights in the banking and fintech space.
Global Fintech Fest (GFF) 2024: Next Decade of Finance
Nucleus Software participated as a Gold Partner at the prestigious Global Fintech Fest 2024 in Mumbai. Discover how we're contributing to responsible AI, inclusivity, and resilience in the financial services sector.

Related Insights

Discover more

Mr. Sunil Kapoor, Managing Director of Roha Housing Finance talks about digitizing the mortgage business, his experience with Nucleus FinnOne Neo® and how Roha is using technology to offer faster, simpler and transparent services to its customers.

brand
Mr. Sunil Kapoor
Managing Director, Roha Housing Finance Pvt. Ltd.

Our partnership with Nucleus Software has been exceptional. For over 12 years, their lending platform, “FinnOne™, has been integral to our operations at Fidelity Life Financial Services (Pvt) Ltd, Zimbabwe, supporting critical functions such as customer acquisition, loan servicing, and collections management. Nucleus Software team provides continuous support, resolving issues and demonstrating expertise. Further, Nucleus Software continues to provide exceptional support, ensuring smooth operations for End-of-Day (EOD) and Beginning-of-Day (BOD) processes. Nucleus Software has proven to be a vital partner, offering domain expertise, and unwavering support. Their contributions have significantly enhanced our operational resilience and success. We recommend their services to any financial institution seeking a technology partner.

brand
Mr. Brighton Wesley
Managing Director, Fidelity Life Financial Services

Chola has been availing the services of Nucleus from 2006. Nucleus Software has been supporting Chola in its technological transformation over the past 18 years. Nucleus has supported us in the implementation of the Loan Management System, FinnOne Neo® and in refinement of its operations to meet regulatory standards. The integration of their flagship products, FinnOne™ and FinnOne Neo®, has helped Chola in meeting its business requirements. We look forward to continue our engagement with Nucleus Software to enable our customers to enter a better life.

brand
Mr. Mahesh Madhukar Waikar
Executive VP & Head - Operations, Business Enabler, Chennai HO, Cholamandalam Finance

Nucleus Software has been rendering its services and supporting Chola’s digital transformation from 2006. The offering of Loan Management Systems like FinnOne and FinnOne Neo® by Nucleus Software has helped Chola in the launching of new loan products and offering of excellent customer service. We look forward to the continuous engagement with Nucleus Software for maintaining the high standards in our customer service.

brand
Mr. Durgaprasad Swaminathan
Executive VP & CIO - Information Technology, Chennai HO, Cholamandalam Finance

Our journey with Nucleus Software has been a cornerstone of our growth and success for over 13 remarkable years, beginning in 2011. Throughout this time, their unwavering commitment to excellence and innovation has been a constant source of inspiration and support for us. The Nucleus Software team has been pivotal in deploying and optimizing a range of critical solutions spanning the loan life cycle. Their proactive approach and heartfelt dedication have not only streamlined our processes but also enriched our operational efficiency. We deeply cherish the responsive and professional support they provide, which has been a bedrock of our ongoing success. As we look to the future, we are excited and eager to continue building on this strong foundation and exploring new horizons of innovation and improvement together. With Nucleus Software by our side, we are confident that we will achieve new milestones and create even more impactful stories of success. Their expertise and unwavering support will always be a vital part of our journey.

brand
Mr. K Siddharth
COO, Fedbank Financial Services Ltd.

Bank of Sydney successfully leveraged the FinnOne Neo® CAS product to automate and streamline our manual credit processes with an end-to-end workflow. This led to quicker turnaround times and an enhanced, seamless customer experience. The outcome was immensely valuable for our customers and also team. FinnOne Neo CAS® significantly improved the customer experience by providing transparency into every stage of the lending lifecycle. Customers were now notified at each step of the workflow, enhancing their engagement. Furthermore, the solution elevated our team's experience by offering transparent and customized reporting capabilities. Our experience collaborating with Nucleus Software was positive, particularly given it was during the challenging Covid period. The Team showed unwavering commitment and support throughout the project which was greatly appreciated."

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Ms. Diana Sitnikoski
Chief Credit Operations, Bank of Sydney

"EastWest, more formally known as East West Banking Corporation, is the eleventh largest bank in the Philippines in terms of asset size. One of the main reasons for EastWest’s steady growth has been the emphasis on a robust IT framework. “Nucleus Software’s FinnOne has been the IT backbone for the Bank’s lending business due to its high configurability and scalability. We are very happy with the lending platform and the amazing customer connect that is offered by the company. Our relationship with Nucleus reflects a unique partnership of two value-based cultures that share a focus on end-customer enablement and we look forward to continuing this long term engagement with the company."

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Mr. Rick M. Pusag
Chief Information Officer, EastWest Bank, Philippines

“Over the years, customer aspirations have changed exponentially and every single time they have changed, Nucleus has responded with agility, speed, and comprehensiveness. Nucleus has empowered us to do better and become bigger. They have always ensured that we are enabled to serve our customers in a way they deserve to be served.”

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Mr. Anil Kaul
Managing Director, Tata Capital Housing Finance Limited

“We were the 1st bank in India to launch the FinnOne Neo® product, and FinnOne Neo® has met many of our customer's growing requirements, especially in the area of mortgages. During Covid times, Nucleus helped us with additional features for the moratorium and these features were incredibly helpful to cater to the much-needed requirements, as far as the regulators and other stakeholders were concerned. Nucleus has always helped us in resolving challenges such that our customer service is never impacted.”

brand
Mr. Venkatesh R
President & Head Operations, Technology and Human Resources & CIO, DCB Bank
World Financial Innovation Series (WFIS) 2024, Indonesia
Singapore FinTech Festival 2024
SFF 2024 brings together the global FinTech community to engage, connect, and collaborate on issues relating to the development of financial services, public policy, and technology.
Future of Financial Services 2024, Sydney
The Future of Financial Services is the one-stop source for technology and innovation in Australia’s banking and financial services sector, and one of the largest in the Southern Hemisphere.
Auto Finance Summit 2024, Las Vegas
24th Auto Finance Summit served as a convergence point for auto lending and leasing professionals, allowing them to immerse themselves in progressive technology and strategic foresight.
Middle East Banking Innovation Summit (MEBIS) 2024
MEBIS will bring together more than 400 senior bankers from across the Middle East region. The primary objective of this summit is to explore the latest advancements in banking and fintech sectors.
FIBAC 2024: Banking for a Viksit Bharat
FIBAC 2024, organized by FICCI and IBA, is India's leading banking conference. With the theme "Banking for a Viksit Bharat," this flagship event gathers industry leaders and global experts to discuss key trends, strategies, and the future roadmap for India's banking sector.
Nucleus Software Presents Banking Transformation Summit 2.0
Banking leaders take center stage on CNBC TV18 to share their expertise on advancements, real-world lessons, and insights in the banking and fintech space.
Global Fintech Fest (GFF) 2024: Next Decade of Finance
Nucleus Software participated as a Gold Partner at the prestigious Global Fintech Fest 2024 in Mumbai. Discover how we're contributing to responsible AI, inclusivity, and resilience in the financial services sector.

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