End-to-End Captive Financing Lifecycle Offering

Leverage an advanced Credit Decisioning Engine (CDE) and automated underwriting for effective risk classification and faster credit disbursement. Create 360-degree customer profiling with pre-screening capability to assess applicant eligibility based on parameters like credit score and income. NPA monitoring and predictive analysis for payment probability help to establish tailored collection strategies.

Enable quick data retrieval and loan processing by connecting seamlessly with 240+ pre-built integration adaptors for conducting KYC, KYB, fetching bureau details, conducting due diligence, asset verification, digital document execution, etc. Additionally, the platform’s low-code architecture offers customizable templates for document digitization, simplifying the creation of essential paperwork such as loan agreements, lease contracts, and sanction letters, which enhances operational agility and compliance.

Facilitate financing through multiple channels with web portal and mobile app configured for self-service and dealership. The solution also enables end-to-end process integration with back-office systems at branch. Alerts and notifications can be sent through the customer’s preferred channel to facilitate the process and to improve collection rates.

Ensure smooth implementation with a highly configurable platform for inventory and asset management. Automate calculations for subsidy, insurance payout amount, vehicle depreciation and residual value, and dealer payout and commissions. The pre-built adaptors ensure that there are no gaps in deployment and go-to-market time is minimized.

Avail support for several lines of business in Captive Finance including financing for direct customers through Auto Loans (4-wheelers & 2-wheelers – New & Used vehicle), Operating Lease and Finance Lease, as well as financing for dealers, vendors and businesses through schemes such as Equipment Finance, Commercial Vehicle Finance, and Fleet Finance.