Pioneering Credit Bureau Data analytics platform that provides a simplified insight into a Borrower's Credit history
Fetching a Credit bureau Report, documentation, analysis takes time and handled at multiple process points which results in a waiting period in the work flow. We bridge that & automate this process.
User/Anayst will fill Customer KYC details requirement by Bureau (CIBIL) website for downloading the Document
Anayst will read through the document to check Credit history including recent loans, DPDs etc
Analyst will check the Loan outstanding figures in Report, Reconfirm with Customer, Compute Total Loan Obligations, Monthly EMI Obligations, DPD counts etx in excel
Key Credit decision points like FOIR, Debt to income ratio as computed in Excel is incorporated in the CAM for further appearaisal
Borrower KYC is fetched from records/applications and instantly Bureau records are pulled using an API service
Borrower credit records are analysed, displayed in a User Friendly format for easy interpretations. Issues are flagged EMIs are auto-computed.
Direct Credit Bureau Integrations (CIBIL, Experian & all major CBs in India)
Predictive EMI estimator which no other Analytic tool in India Provides
Provides credit-focused grouping and alerts on data points for highlighting risks.
Offers a view of loan history, repayment history, summary of borrowings, and Enquiry history
Loan Track-record with regards DPD Suit filed or any other Legal status
Comprehensive KYC Checks from bureau & cross valdiation with other Key Inputs