Mi fin financial product suite

copy2009-11 Qualtech Consultants Pvt Ltd All rights reserved

miFINFinancial Product Suite

1

QUALTECH CONSULTANTS


IT Consulting and Services organization set up in 2003 by a group of experienced

financial services and technology professionals We are headquartered in New Delhi

with services spread across the globe

Strong Portfolio

of well-known

Financial

Services

organizations

Need-based

offerings-

Products

Solutions and

Services ndash each

providing a

different value

proposition

HQ New Delhi

India

Clients India

US UK EU

Vietnam

Strength 120+

2

Qualtech Consultants


Ashish Srivastava Head Product Development

Saurabh Chandra Head Business Development

bull 12 years of experience in Technology Strategy Execution and Business Development

bull Responsible for the overall growth and direction of the company with primarily involvement in

Strategy and Relationship Management

bull Prior work-ex with CitiFinancial

bull Experienced in devising technology strategy and delivering large technology projects in domestic

and international markets

bull B Tech from IIT-Kanpur

Manish Kankani CEO

Management Team

3

bull 12 years of experience in Technology Strategy and Execution

bull Responsible for ensuring Project Delivery and Quality Assurance

bull Prior work-ex with the leading Indian Software giant ndash Infosys

bull Has handled medium to large scale development and maintenance projects in US and Asia Pacific

bull BTech from IIT-Kanpur

bull 9 years of experience in Technology Strategy Execution and Sales

bull Responsible for Business Development and Relationship Management

bull Led multiple country implementations across Consumer Finance and Core Banking systems

bull Prior Work-ex with SampC and Citigroup

bull MBA from IIM-Lucknow and BTech from IIT-Kanpur


Products amp Services

Services IT Consulting

IT Services

Program Management

Product Solution Evaluation

Product Implementation

Business Intelligence

Product Outsourcing

Application Development

Testing Services Manual amp Automation

Offshore Development Center (ODC)

Application Management amp Support

Products miFIN Financial Product Suite


Partial Client List

ONUS


Sample Case Studies miFIN

bull miFIN LLM ndash Loan Origination Servicing and Collections module for Karvy Finance

ndash Comprehensive Integrated Technology Platform for Loans as well as Distribution Products

ndash Implemented multi-product portfolio LAG LAP LAS etc with different workflows for

different products

ndash Responsible for the entire product implementation lifecycle for the customer from

requirement gathering to UAT to post deployment support

ndash Customer opted for our solution instead of competitors owing to

bull Breadth and Depth of Domain knowledge

bull Our focus and credibility in the field of customer service

bull Strength of Solution in the area of controls and high volume transaction processing

with features like auto deviation Receipt and Clearance Uploads Reconciliation

Incentive Management etc

ndash Deployment Platform WAS and SQL Server on Windows2003 Server

bull miFIN LLM ndash Customer Acquisition module for a Retail Finance MNC

ndash The first technology touchpoint for New Loan Application Entry

ndash 2-way interface for data exchange with the existing Loan Processing System

ndash Web Based System with central deployment and hubbranch based access

ndash Implemented Value Added Feature like Dual Data Entry Mechanism

ndash Deployment Platform WAS and Oracle on AIX


Client Testimonials

ldquoCustomer focused Quality conscious and agile Qualtech has delivered whatever it has promised The team is very energized and works in highly professional manner apart from having high understanding pickup of business logics Their domain knowledge and expertise in BI technology is remarkable and services of best standards They implemented an enterprise data warehouse for us from strategy to execution and they made it look easyrdquo

ldquoWe have an unconventional view of the Indian financial market Thus we evaluated various traditional Loan Systems available in the market on different parameters including depth and breadth of features Finally we selected Qualtechrsquos miFIN platform and we are happy we made the right choice Besides the product the complete ownership character of Qualtech assures us that we donrsquot have to waste quality time over-managing our IT relationship Conceptually sound contextually aware they have an excellent team Highly recommendedrdquo

COO KARVY Financial

Head Analytics Future Capital Holding

7


miFIN

Financial Product Suite

8


Supports Multiple

Financial

Business

ProcessesLending

Insurance Cards

Collections

Automated

AccountingConfigurable Chart

of ACs

Online Financial

Entries

Automatic Financial

Reconciliation

Highly

Configurable amp

scalableDynamic business

parameters

Configurable

Workflow

to help business map

its business process

on system not vice-

versa

miFIN

Financial suite

miFIN ndashSalient Features

Detailed

Information

CaptureIndividual and personal

data capture income

liabilities KYC norms

documents etc

Web and Mobile

based system

built on n-tier

architectureBuilt using Industry

standard technology

platform

J2EE J2ME

9


Lead Management System

Customer Acquisition System

Deduplication System

Loan Origination System - LOS

Loan Servicing and Management

Collections

Customer Service Module

Reporting and Communications Module

General Ledger and Reconciliation Framework

Incentive System

Mobile Workforce

Managers Dashboard Suite

miFIN ndash Modules

10

Available as an Integrated Platform or Independent Module(s) with well defined

integration interface


Functional Architecture


Application Security

How secure is the

Application

Configurable Maker Checker

controls

12

Detailed Audit trails with

timestamps

Configurable Password

Management

Non-Repudiable

Transactions

Need based Role Definition

Data and Authority based

Access

Differentiation between

View and Edit Access

Implements Industry

Standard Password

Encryption

HTTPS Enabled

User ID amp Password based

Authentication

Authentication Authorisation Audit amp Controls


CAS - Customer Acquisition System

13


CAS- Comprehensive Information Capture

bull Quick Data Entry mechanism

bull Capture and Retrieve Customer Photographs

bull Comprehensive capture of information such

as

ndash Demographic

ndash FamilyGroup details

ndash Assets and Liabilities Details

ndash Bank Account( if any)

ndash Multiple Addresses (existingprevious)

ndash Detailed KYC Documentation

bull Verification

bull Document Management

bull Auto and Manual Exception Handling

bull Notepad to share and capture information

bull Comprehensive Charges Module

bull Sourcing and Fulfillment Channels Capture

Features Benefits to Business

bull Reduced Aquisition Time

bull Complete Information available for

mining and analysis enables

ndash Building Credit History

ndash Identifying KPIs

ndash Analysing Trends

ndash Building Management

Dashboards

ndash Helps identify

profitablenegative areas over

time

bull Ensure compliance to product

program

bull Ensure profitability at customer level

14


CAS- Features

bull Product level verification initiation

ndash Initiate and track various kind of

verification

ndash FIProperty visit

ndash TVR

ndash Detailed Information Capture ndash

verification type verification done by

datetime remarks and status

15

N Level Geography and Product hierarchy

Location Level Configuration for

bull Sales Manager

bull Valuation Officer

bull Branch Manager

bull Sourcing and Fulfillment Channels

bull Users

RoleUser Level Configuration for

bull Menu Access

bull Data Access

bull Deviation Authority

bull Underwriting Matrix

Configurations

Verification


CAS ndashFeatures

16

bull Driven by product

programs and regulatory

requirements

bull MandatoryNon-

mandatory

bull PrePost Aquisition

bull Tracking mechanism along

with deferrals waiversDocument Management

Deviations

bull Ability to raise and track

deviations

bull Configure deviation types and

deviation codes

bull Deviation Role Matrix

bull Resolved by only Authorized

Users

bull Configurable Auto-Deviation

Module


Product Management

17

bull Product based Workflows

ndash Configurable Process Workflow at product level

ndash Allows business to map business processes on system

ndash Removes complexities allows users to self train

ndash Queue List Management

bull Product Level Configurations

ndash Product Attributes (eg for lending MaxMin Amount Tenure Interest Type (Effective

Flat) MaxMin Interest Offset Max LTV Max DBR etc)

ndash Applicant Type (Individual Corporate SME others)

ndash Mandatory Charges with Default Max Min values

ndash Configurable Service Tax computation at Charge Level

ndash Mandatory Document type amp Document Name

ndash Mandatory Verifications

ndash Read only and Mandatory Fields on screen

ndash Decision levels


Deduplication

18


Powerful dedupe Quality Customer Aquisition

19

Ruleset

De-dupe

Engine

Flat file

feed

Data Entry

UI

Upload

Data

Parser

Host

Database

No Match

Exact

Match

Potential

Match

New

Customer

Existing

Customer

Existing

Customer

Review

Approve

Reject

Check Review

Data Source De-dupe Result Inference Decision

bull Multiple modes of execution Online Batch Multiple Range De-duplication Re-initiation

bull Run de-dupe on Mutiple Entities Applicant Co-applicant Guarantor etc

bull Product Specific Configurable Rule based De-dupe Engine

bull Score based Match Definition

bull Ability to show all linked relationships of matching Customer ID

bull Implements Fuzzy Logic Synonymous Search Phonetic Search etc

bull Ability to perform searches on multiple databases

De-dupe triggered on

bull Active cases

bull Closed cases

bull Negative cases

bull Rejected cases

bull In processes cases


LOS Loan Origination System

20


LOS- Rich features provide economies of scope

Country

Region

Location

Branch

N-Level Geographical

Hierarchy

Portfolio

Product

Scheme

N-Level Product

Hierarchy

bull Web and Mobile enabled supports multi-branch and multi-product

implementations

bull Supports offline implementations

bull Advance Search Feature

bull Multiple Due Date and Cycle date Concept

bull Staggered and Multiple Disbursal Facility

bull Can be seamlessly integrated with existing core banking and MIS applications

bull Highly parameterized and scalable for scenario based handling of various

accounting parameters such as billings charges and accruals

bull Successfully tested for more than 1000 users

bull Generic and Flexible financial accounting handling

21


Configurable Workflow Engine Examples

Cash Flow

Loan Details

NotepadDeviations Applicant Det

De-dupe

Documents

Verifications

Credit Decision

Disbursal Mak

Disbursal Auth

Loan Details

Deviations Documents

Documents

Applicant Det Notepad

De-dupe Verifications

Verifications

Cash Flow

Cash Flow

Credit Decision

Disbursal Mak

Disbursal Auth

Product Level Configurable Workflows


Multiple Repayment Type

bull One Time Payments (OTP)

bull One Time Payments ndash

Upfront Interest

bull Interest Only Installments

bull Step up Interest ndash Variable

Interest depending on

Overdue period

bull Equated Installments

Flexible Repayment Frequency

bull Daily

bull Weekly

bull Fortnightly

bull Monthly

bull Quarterly

bull Half Yearly

bull Yearly

Pre-EMI amp Excess Interest

bull Configurable to Adjust in First

EMI

bull Option to take Pre-EMI as

Charge and short disburse

bull Can take Pre-EMI as

Installments

Installment Mode

bull Advance and Arrear

bull Option to take lsquoNrsquo EMIs in

Advance

Interest Type

bull Flat Interest Rate

bull Effective Interest Rate

LOS- Financial complexities simplified

Repayment Calculation

23


Charges

bull Short disburse upfront

charges such as proc fee

loan insurance cover

bull Configure charges at

scheme level

bull Configurable Service Tax

bull Configurable for IRR

computation

bull Asset Booking - Booking

of principal interest

and other charge amts

in respective GLs

bull Verifies all deviation

bull Verifies charges

verification and de-

dupe results

bull Finalize Interest

Rates as per policy

guidelines

bull Approves amount

based on eligibility

Credit DecisionSanction

LOS- Advance Features for multiple products

24

Disbursal

ndash Specialized Product Valuations like

bull Property Legal Technical

bull Gold

bull Securities Valuations

ndash Ability to handle multiple products

like

bull Mortgages PL LAG LAS

Auto CD


LMS Loan Management System

25


NPA

LMS- Snapshot of Features

26

Loan Management System

Penal Interest Accrual

NPA

Amortization

Delinquency Calculationbull Configure Penal on Cash

basis or Accrual basis

bull Configurable Penal

Calculation Logic -

fixed per EMI on

actual overdue days and

overdue amt etc

bull Variable Penal Rates

depending on overdue

period

bull Ability to run daily or

monthly

bull Flexibility to continue

Income Booking post

Maturity till closure

bull 360365 day logics

bull Daily Monthly accrual

logics

bull Recognizes Stop Accrual

(for Non-Accrual Charged-

off loans)

bull Multiple

bull NPA stages ndash Regular

PDONA Writeoff

bull Configurable NPA

stages at Product and

DPD

bull Flexibility to stop and

restart accrual at loan

level

bull Flexibility to book

income expense

losses at write off

bull DPD and DPD string

bull Forward and backward

moving DPD

bull Bucket Calculation

depending on DPD

bull DPD string stamping at

month end

bull Ability to amortize fee as well as expenses

bull Configurable Amortization logics at charge

level - written down value or straight line

logic

Amortization

Delinquency Calculation

Penal Interest

Accrual


LMS- Powerful Receipts Module

bull Handles Multiple Txn Types Cash

Repayments Cancellations

Knockoff Waive-offs

bull Excess Handling Generation amp

Refunds

bull Configurable Appropriation Logic at

NPA Stage level Regular

Delinquent (PDO-NA) Written Off

cases

Receipts Module

27

bull Instrument Handling

bull Ability to handle multiple instruments

PDC OTC Draft Cash SI ECS

bull Swapping - Single Instrument Multiple

Instruments Repayment Mode

bull Bank Presentation Process

bull Billing

bull Retrieval amp Presentation

bull Realization Process

bull Re-Presentation

bull Hold Instrument from Banking

bull Batch Creation Process

bull Batch Type (New

Representation) Batch Size

bull Instrument type for Presentation

bull Banks and City

bull Uploads

bull Cheque and Cash Upload

bull Bank Clearance Uploads

bull Configurable Maker Checker

Controls


Rescheduling- A highly flexible rescheduling module helps manage a wide range of complex business scenarios

Options in Rescheduling

Loan Extension

Top-up

Re-pricing

Interest Holiday

Part Payment

Auto and Manual FRR

Reageing

Case Level Rescheduling

Batch Rescheduling

Types of Rescheduling


NPA and Provisioning- Parameterization allows business to

implement policy matters easily while ensuring regulatory compliance

Repayments

Profit and LossDPDBucket movements

NPA classification Provisioning

bull Daily DPD DPD string and bucket calculation

bull Business-specific NPA classification at product level

bull Product x Bucket based provisioning flexibility

bull Automatic Integration with Ledger

bull Configurable handling for reinstatement

bull Configurable appropriation logics for different asset stage


Foreclosure Early Payoff

Single step closure

bull Provides Product level prepayment penalty options

bull Calculates ClosureForeclosure Interest ndash Interest from last due date to closure

date even post maturity date

bull Simulation mode to aid Customer service officers compute closure amount as at

future date

bull Maker checker controls

bull Facility to waive off charges based on configuration and authority matrix

bull Integrated with Amortization and Accrual programs


Financial Accounting and Reconciliation

Disbursal Repayment

ClosureRescheduling

Accrual Billing Charge off

others

Loan transactions

Ac Template Black-box

voucher generation

Reconciliation engine

bull Real time voucher generation with every transaction on lending (LOS and LMS)

side

bull Completely configurable accounting template (Product x GL code x Txn x NPA

Stage)

bull Lending-GL Financial Reconciliation engine ensures system health at all times

Aggregate Lending balance

Aggregate GL balance


Collections Management

32


Collection Management

bull Flow of cases from source system

ndash What all parameters should flow

ndash What all cases should flow

ndash When should the cases flow

ndash Calculation of score for individual cases

ndash Score based case priorities

ndash Manual triggers to override scheduled runs

bull Contact Details Upload

bull Comprehensive Customer Communication

ndash Trigger based SMS Email alerts

ndash Ability to configure Email SMS Templates

bull Allocation of cases

ndash Manual amp automatic run

ndash Type of Allocation logic to run (Refresh Update)

ndash Frequency of allocation to run

ndash Allocation rules to be run (Group-wise Collector-wise)

Master Queue

Group NGroup 1 Group 2

Sub-Group X Collector

CollectorCollectorCollector


bull User amp Group Hierarchy

ndash Multiple queues

ndash N-level hierarchy

ndash User collector is the lowest level in

hierarchy

bull Receipt Book Management

ndash Inventory Definition and Management

ndash Allocation

ndash Usage and Control Reports


ndash Manual Escalation

ndash Automatic Escalation based

on escalation matrix

ndash To a higher level in group hierarchy

Collections- manages complete workflow of delinquent cases

Manual amp automatic run

Biz defined allocation logic

Schedulable frequency

Allocation rules

Action

Recording

Case Referrals across hierarchy

levels

Configurable co-allocation

based on biz parameters

Set for parent queue group

Manual Reallocation

Automatic Reallocation based on assignment duration

Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports

ndash Stat card ndash configurable format

ndash Collection Dump Summary download

ndash Unallocated cases dump download

ndash Other reports on miFINrsquosreporting framework

ndash Define letters as templates

ndash Incur minimum recurring cost

with new letterstemplates

ReferralReallocation may or may not happen for a case in collection

34


Customer Service

35



Feature List

bull Categorisation and Sub-

Categorisation of Calls

bull Dynamic and Flexible Call

filtering

bull Contact Recording and Audit

trails

bull Auto and Manual Escalations

bull User and Group based

assignment and reassignment

bull Efficiency Metrics and Reports

ndash Call Volume and Status

Reports (Total no of calls

no of Open calls no of

Resolved calls)

ndash TAT (Turn around time)

Reports

36



37



Feature List

bull Reports

ndash Ability to Configure Real Time

Reports

ndash Reports available in multiple

formats ndash html excel pdf etc

ndash Access Control configurable report

level user access with ability to

control download option

bull Trigger based

ndash System triggers

ndash Manual triggers

bull Scheduled and Real-time Communication

bull Multiple modes of Communication

Documents SMS and Email

bull Flexible Framework to add new

communication modes

bull Push and Pull based Communication

bull Event and Mode based Configurable

Communication Templates

38



39



Feature List

bull Configurable Chart of Accounts

bull Ability to book Revenue and Expenses

bull Ability to define multiple GL types and

GL

bull Various Voucher types

bull Ability to post Manual Vouchers along

with system interface for auto posting

bull Value Dating

bull Dual Mode of Operation ndash Maker-

Checker and Auto-Auth

bull Detailed Audit-trail

bull Bank and Bank Accounts Maintenance

bull Reconciliation

ndash Flexible and Configurable

Reconciliation Logics

ndash Account Reconciliation

ndash Exception and Detail Reporting

Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List

bull Highly Configurable incentive plans

bull Hierarchy driven plans

bull Frequency and target driven plans

bull Dependent Plans

bull Ability to configure multiple type of incentives

bull As per function sales collections operations

bull Third Party and In-house teams

bull Flexibility to base incentives on one or multiple source data

attributes

bull Implements champion challenger methodology

bull Ability to define complex incentive calculation logics

bull Fixed Value and Percentages based Incentives

bull Slab Based Incentives

bull Max-of or Min-of Incentive Rules

bull Comprehensive Dispute redressal

bull Scheduled Periodical Incentive Calculations

bull Manual Mode of computation for an individual in case of

exception scenarios

bull Maintains Audit trail and Historical InformationIncentives

42


Mobile Workforce

43


Mobile Workforce

Feature List

bull Automating FoS Workforce

bull Real Time access to authorised information

bull Secure and Reliable

bull User id and Password driven access

bull Need based functional access

bull Geography and Product based data access

bull Ability to fetch the actionable cases in real time

bull Ability to interface with third party applications using web service db interface

bull Real time interaction with server for master data and validations

bull Real Time Information Updation

bull Modules

bull Collections Contact Recording

bull New Applications

bull Cash and Cheque Collections

bull Contact Point verification

44



45



Feature List

bull Datawarehouse model to enable analysis

across a variety of Dimensions and KPIs

bull Ready to Deploy Dashboards

bull Sales and Bookings

bull Credit Decision

bull Risk and Delinquency

bull Collections

bull Analysis across multiple Dimensions like

Geography Product Segment Customer

Segment Channels etc

bull Ability to drill-down and rollup across

dimensions in real time

bull Ability to export into excel

bull User Friendly with Rich Graphical User

Interface

46


Technology Architecture

47




Thank You

49


IT Consulting and Services organization set up in 2003 by a group of experienced

financial services and technology professionals We are headquartered in New Delhi

with services spread across the globe

Strong Portfolio

of well-known

Financial

Services

organizations

Need-based

offerings-

Products

Solutions and

Services ndash each

providing a

different value

proposition

HQ New Delhi

India

Clients India

US UK EU

Vietnam

Strength 120+

2

Qualtech Consultants











Manish Kankani CEO

Management Team

3














IT Services

Program Management




Product Outsourcing







Partial Client List

ONUS






different products

















Client Testimonials



COO KARVY Financial


7


miFIN


8


Supports Multiple

Financial

Business

ProcessesLending

Insurance Cards

Collections

Automated


of ACs

Online Financial

Entries

Automatic Financial

Reconciliation

Highly

Configurable amp


parameters

Configurable

Workflow



on system not vice-

versa

miFIN

Financial suite


Detailed

Information


data capture income


documents etc

Web and Mobile

based system

built on n-tier


standard technology

platform

J2EE J2ME

9







Collections




Incentive System

Mobile Workforce


miFIN ndash Modules

10







How secure is the

Application


controls

12


timestamps


Management

Non-Repudiable

Transactions



Access



Implements Industry

Standard Password

Encryption

HTTPS Enabled


Authentication




13






as

ndash Demographic






bull Verification














Dashboards



time


program


14


CAS- Features



verification


ndash TVR




15



bull Sales Manager


bull Branch Manager


bull Users


bull Menu Access

bull Data Access



Configurations

Verification


CAS ndashFeatures

16



requirements

bull MandatoryNon-

mandatory




Deviations


deviations


deviation codes



Users


Module


Product Management

17

















Deduplication

18



19

Ruleset

De-dupe

Engine

Flat file

feed

Data Entry

UI

Upload

Data

Parser

Host

Database

No Match

Exact

Match

Potential

Match

New

Customer

Existing

Customer

Existing

Customer

Review

Approve

Reject

Check Review










bull Active cases

bull Closed cases

bull Negative cases

bull Rejected cases




20



Country

Region

Location

Branch


Hierarchy

Portfolio

Product

Scheme

N-Level Product

Hierarchy


implementations










21



Cash Flow

Loan Details


De-dupe

Documents

Verifications

Credit Decision

Disbursal Mak

Disbursal Auth

Loan Details


Documents



Verifications

Cash Flow

Cash Flow

Credit Decision

Disbursal Mak

Disbursal Auth






Upfront Interest




Overdue period



bull Daily

bull Weekly

bull Fortnightly

bull Monthly

bull Quarterly

bull Half Yearly

bull Yearly



EMI




Installments

Installment Mode



Advance

Interest Type





23


Charges





scheme level



computation




in respective GLs




dupe results


Rates as per policy

guidelines





24

Disbursal



bull Gold



like


Auto CD



25


NPA


26



NPA

Amortization




Calculation Logic -

fixed per EMI on


overdue amt etc



period


monthly


Income Booking post




logics



off loans)

bull Multiple


PDONA Writeoff



DPD



level


income expense

losses at write off



moving DPD


depending on DPD


month end




logic

Amortization


Penal Interest

Accrual





Knockoff Waive-offs


Refunds




cases

Receipts Module

27







bull Billing









bull Banks and City

bull Uploads




Controls




Loan Extension

Top-up

Re-pricing

Interest Holiday

Part Payment

Auto and Manual FRR

Reageing


Batch Rescheduling





Repayments











Single step closure





future date






Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49











Manish Kankani CEO

Management Team

3














IT Services

Program Management




Product Outsourcing







Partial Client List

ONUS






different products

















Client Testimonials



COO KARVY Financial


7


miFIN


8


Supports Multiple

Financial

Business

ProcessesLending

Insurance Cards

Collections

Automated


of ACs

Online Financial

Entries

Automatic Financial

Reconciliation

Highly

Configurable amp


parameters

Configurable

Workflow



on system not vice-

versa

miFIN

Financial suite


Detailed

Information


data capture income


documents etc

Web and Mobile

based system

built on n-tier


standard technology

platform

J2EE J2ME

9







Collections




Incentive System

Mobile Workforce


miFIN ndash Modules

10







How secure is the

Application


controls

12


timestamps


Management

Non-Repudiable

Transactions



Access



Implements Industry

Standard Password

Encryption

HTTPS Enabled


Authentication




13






as

ndash Demographic






bull Verification














Dashboards



time


program


14


CAS- Features



verification


ndash TVR




15



bull Sales Manager


bull Branch Manager


bull Users


bull Menu Access

bull Data Access



Configurations

Verification


CAS ndashFeatures

16



requirements

bull MandatoryNon-

mandatory




Deviations


deviations


deviation codes



Users


Module


Product Management

17

















Deduplication

18



19

Ruleset

De-dupe

Engine

Flat file

feed

Data Entry

UI

Upload

Data

Parser

Host

Database

No Match

Exact

Match

Potential

Match

New

Customer

Existing

Customer

Existing

Customer

Review

Approve

Reject

Check Review










bull Active cases

bull Closed cases

bull Negative cases

bull Rejected cases




20



Country

Region

Location

Branch


Hierarchy

Portfolio

Product

Scheme

N-Level Product

Hierarchy


implementations










21



Cash Flow

Loan Details


De-dupe

Documents

Verifications

Credit Decision

Disbursal Mak

Disbursal Auth

Loan Details


Documents



Verifications

Cash Flow

Cash Flow

Credit Decision

Disbursal Mak

Disbursal Auth






Upfront Interest




Overdue period



bull Daily

bull Weekly

bull Fortnightly

bull Monthly

bull Quarterly

bull Half Yearly

bull Yearly



EMI




Installments

Installment Mode



Advance

Interest Type





23


Charges





scheme level



computation




in respective GLs




dupe results


Rates as per policy

guidelines





24

Disbursal



bull Gold



like


Auto CD



25


NPA


26



NPA

Amortization




Calculation Logic -

fixed per EMI on


overdue amt etc



period


monthly


Income Booking post




logics



off loans)

bull Multiple


PDONA Writeoff



DPD



level


income expense

losses at write off



moving DPD


depending on DPD


month end




logic

Amortization


Penal Interest

Accrual





Knockoff Waive-offs


Refunds




cases

Receipts Module

27







bull Billing









bull Banks and City

bull Uploads




Controls




Loan Extension

Top-up

Re-pricing

Interest Holiday

Part Payment

Auto and Manual FRR

Reageing


Batch Rescheduling





Repayments











Single step closure





future date






Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49




IT Services

Program Management




Product Outsourcing







Partial Client List

ONUS






different products

















Client Testimonials



COO KARVY Financial


7


miFIN


8


Supports Multiple

Financial

Business

ProcessesLending

Insurance Cards

Collections

Automated


of ACs

Online Financial

Entries

Automatic Financial

Reconciliation

Highly

Configurable amp


parameters

Configurable

Workflow



on system not vice-

versa

miFIN

Financial suite


Detailed

Information


data capture income


documents etc

Web and Mobile

based system

built on n-tier


standard technology

platform

J2EE J2ME

9







Collections




Incentive System

Mobile Workforce


miFIN ndash Modules

10







How secure is the

Application


controls

12


timestamps


Management

Non-Repudiable

Transactions



Access



Implements Industry

Standard Password

Encryption

HTTPS Enabled


Authentication




13






as

ndash Demographic






bull Verification














Dashboards



time


program


14


CAS- Features



verification


ndash TVR




15



bull Sales Manager


bull Branch Manager


bull Users


bull Menu Access

bull Data Access



Configurations

Verification


CAS ndashFeatures

16



requirements

bull MandatoryNon-

mandatory




Deviations


deviations


deviation codes



Users


Module


Product Management

17

















Deduplication

18



19

Ruleset

De-dupe

Engine

Flat file

feed

Data Entry

UI

Upload

Data

Parser

Host

Database

No Match

Exact

Match

Potential

Match

New

Customer

Existing

Customer

Existing

Customer

Review

Approve

Reject

Check Review










bull Active cases

bull Closed cases

bull Negative cases

bull Rejected cases




20



Country

Region

Location

Branch


Hierarchy

Portfolio

Product

Scheme

N-Level Product

Hierarchy


implementations










21



Cash Flow

Loan Details


De-dupe

Documents

Verifications

Credit Decision

Disbursal Mak

Disbursal Auth

Loan Details


Documents



Verifications

Cash Flow

Cash Flow

Credit Decision

Disbursal Mak

Disbursal Auth






Upfront Interest




Overdue period



bull Daily

bull Weekly

bull Fortnightly

bull Monthly

bull Quarterly

bull Half Yearly

bull Yearly



EMI




Installments

Installment Mode



Advance

Interest Type





23


Charges





scheme level



computation




in respective GLs




dupe results


Rates as per policy

guidelines





24

Disbursal



bull Gold



like


Auto CD



25


NPA


26



NPA

Amortization




Calculation Logic -

fixed per EMI on


overdue amt etc



period


monthly


Income Booking post




logics



off loans)

bull Multiple


PDONA Writeoff



DPD



level


income expense

losses at write off



moving DPD


depending on DPD


month end




logic

Amortization


Penal Interest

Accrual





Knockoff Waive-offs


Refunds




cases

Receipts Module

27







bull Billing









bull Banks and City

bull Uploads




Controls




Loan Extension

Top-up

Re-pricing

Interest Holiday

Part Payment

Auto and Manual FRR

Reageing


Batch Rescheduling





Repayments











Single step closure





future date






Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49


Partial Client List

ONUS






different products

















Client Testimonials



COO KARVY Financial


7


miFIN


8


Supports Multiple

Financial

Business

ProcessesLending

Insurance Cards

Collections

Automated


of ACs

Online Financial

Entries

Automatic Financial

Reconciliation

Highly

Configurable amp


parameters

Configurable

Workflow



on system not vice-

versa

miFIN

Financial suite


Detailed

Information


data capture income


documents etc

Web and Mobile

based system

built on n-tier


standard technology

platform

J2EE J2ME

9







Collections




Incentive System

Mobile Workforce


miFIN ndash Modules

10







How secure is the

Application


controls

12


timestamps


Management

Non-Repudiable

Transactions



Access



Implements Industry

Standard Password

Encryption

HTTPS Enabled


Authentication




13






as

ndash Demographic






bull Verification














Dashboards



time


program


14


CAS- Features



verification


ndash TVR




15



bull Sales Manager


bull Branch Manager


bull Users


bull Menu Access

bull Data Access



Configurations

Verification


CAS ndashFeatures

16



requirements

bull MandatoryNon-

mandatory




Deviations


deviations


deviation codes



Users


Module


Product Management

17

















Deduplication

18



19

Ruleset

De-dupe

Engine

Flat file

feed

Data Entry

UI

Upload

Data

Parser

Host

Database

No Match

Exact

Match

Potential

Match

New

Customer

Existing

Customer

Existing

Customer

Review

Approve

Reject

Check Review










bull Active cases

bull Closed cases

bull Negative cases

bull Rejected cases




20



Country

Region

Location

Branch


Hierarchy

Portfolio

Product

Scheme

N-Level Product

Hierarchy


implementations










21



Cash Flow

Loan Details


De-dupe

Documents

Verifications

Credit Decision

Disbursal Mak

Disbursal Auth

Loan Details


Documents



Verifications

Cash Flow

Cash Flow

Credit Decision

Disbursal Mak

Disbursal Auth






Upfront Interest




Overdue period



bull Daily

bull Weekly

bull Fortnightly

bull Monthly

bull Quarterly

bull Half Yearly

bull Yearly



EMI




Installments

Installment Mode



Advance

Interest Type





23


Charges





scheme level



computation




in respective GLs




dupe results


Rates as per policy

guidelines





24

Disbursal



bull Gold



like


Auto CD



25


NPA


26



NPA

Amortization




Calculation Logic -

fixed per EMI on


overdue amt etc



period


monthly


Income Booking post




logics



off loans)

bull Multiple


PDONA Writeoff



DPD



level


income expense

losses at write off



moving DPD


depending on DPD


month end




logic

Amortization


Penal Interest

Accrual





Knockoff Waive-offs


Refunds




cases

Receipts Module

27







bull Billing









bull Banks and City

bull Uploads




Controls




Loan Extension

Top-up

Re-pricing

Interest Holiday

Part Payment

Auto and Manual FRR

Reageing


Batch Rescheduling





Repayments











Single step closure





future date






Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49






different products

















Client Testimonials



COO KARVY Financial


7


miFIN


8


Supports Multiple

Financial

Business

ProcessesLending

Insurance Cards

Collections

Automated


of ACs

Online Financial

Entries

Automatic Financial

Reconciliation

Highly

Configurable amp


parameters

Configurable

Workflow



on system not vice-

versa

miFIN

Financial suite


Detailed

Information


data capture income


documents etc

Web and Mobile

based system

built on n-tier


standard technology

platform

J2EE J2ME

9







Collections




Incentive System

Mobile Workforce


miFIN ndash Modules

10







How secure is the

Application


controls

12


timestamps


Management

Non-Repudiable

Transactions



Access



Implements Industry

Standard Password

Encryption

HTTPS Enabled


Authentication




13






as

ndash Demographic






bull Verification














Dashboards



time


program


14


CAS- Features



verification


ndash TVR




15



bull Sales Manager


bull Branch Manager


bull Users


bull Menu Access

bull Data Access



Configurations

Verification


CAS ndashFeatures

16



requirements

bull MandatoryNon-

mandatory




Deviations


deviations


deviation codes



Users


Module


Product Management

17

















Deduplication

18



19

Ruleset

De-dupe

Engine

Flat file

feed

Data Entry

UI

Upload

Data

Parser

Host

Database

No Match

Exact

Match

Potential

Match

New

Customer

Existing

Customer

Existing

Customer

Review

Approve

Reject

Check Review










bull Active cases

bull Closed cases

bull Negative cases

bull Rejected cases




20



Country

Region

Location

Branch


Hierarchy

Portfolio

Product

Scheme

N-Level Product

Hierarchy


implementations










21



Cash Flow

Loan Details


De-dupe

Documents

Verifications

Credit Decision

Disbursal Mak

Disbursal Auth

Loan Details


Documents



Verifications

Cash Flow

Cash Flow

Credit Decision

Disbursal Mak

Disbursal Auth






Upfront Interest




Overdue period



bull Daily

bull Weekly

bull Fortnightly

bull Monthly

bull Quarterly

bull Half Yearly

bull Yearly



EMI




Installments

Installment Mode



Advance

Interest Type





23


Charges





scheme level



computation




in respective GLs




dupe results


Rates as per policy

guidelines





24

Disbursal



bull Gold



like


Auto CD



25


NPA


26



NPA

Amortization




Calculation Logic -

fixed per EMI on


overdue amt etc



period


monthly


Income Booking post




logics



off loans)

bull Multiple


PDONA Writeoff



DPD



level


income expense

losses at write off



moving DPD


depending on DPD


month end




logic

Amortization


Penal Interest

Accrual





Knockoff Waive-offs


Refunds




cases

Receipts Module

27







bull Billing









bull Banks and City

bull Uploads




Controls




Loan Extension

Top-up

Re-pricing

Interest Holiday

Part Payment

Auto and Manual FRR

Reageing


Batch Rescheduling





Repayments











Single step closure





future date






Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49


Client Testimonials



COO KARVY Financial


7


miFIN


8


Supports Multiple

Financial

Business

ProcessesLending

Insurance Cards

Collections

Automated


of ACs

Online Financial

Entries

Automatic Financial

Reconciliation

Highly

Configurable amp


parameters

Configurable

Workflow



on system not vice-

versa

miFIN

Financial suite


Detailed

Information


data capture income


documents etc

Web and Mobile

based system

built on n-tier


standard technology

platform

J2EE J2ME

9







Collections




Incentive System

Mobile Workforce


miFIN ndash Modules

10







How secure is the

Application


controls

12


timestamps


Management

Non-Repudiable

Transactions



Access



Implements Industry

Standard Password

Encryption

HTTPS Enabled


Authentication




13






as

ndash Demographic






bull Verification














Dashboards



time


program


14


CAS- Features



verification


ndash TVR




15



bull Sales Manager


bull Branch Manager


bull Users


bull Menu Access

bull Data Access



Configurations

Verification


CAS ndashFeatures

16



requirements

bull MandatoryNon-

mandatory




Deviations


deviations


deviation codes



Users


Module


Product Management

17

















Deduplication

18



19

Ruleset

De-dupe

Engine

Flat file

feed

Data Entry

UI

Upload

Data

Parser

Host

Database

No Match

Exact

Match

Potential

Match

New

Customer

Existing

Customer

Existing

Customer

Review

Approve

Reject

Check Review










bull Active cases

bull Closed cases

bull Negative cases

bull Rejected cases




20



Country

Region

Location

Branch


Hierarchy

Portfolio

Product

Scheme

N-Level Product

Hierarchy


implementations










21



Cash Flow

Loan Details


De-dupe

Documents

Verifications

Credit Decision

Disbursal Mak

Disbursal Auth

Loan Details


Documents



Verifications

Cash Flow

Cash Flow

Credit Decision

Disbursal Mak

Disbursal Auth






Upfront Interest




Overdue period



bull Daily

bull Weekly

bull Fortnightly

bull Monthly

bull Quarterly

bull Half Yearly

bull Yearly



EMI




Installments

Installment Mode



Advance

Interest Type





23


Charges





scheme level



computation




in respective GLs




dupe results


Rates as per policy

guidelines





24

Disbursal



bull Gold



like


Auto CD



25


NPA


26



NPA

Amortization




Calculation Logic -

fixed per EMI on


overdue amt etc



period


monthly


Income Booking post




logics



off loans)

bull Multiple


PDONA Writeoff



DPD



level


income expense

losses at write off



moving DPD


depending on DPD


month end




logic

Amortization


Penal Interest

Accrual





Knockoff Waive-offs


Refunds




cases

Receipts Module

27







bull Billing









bull Banks and City

bull Uploads




Controls




Loan Extension

Top-up

Re-pricing

Interest Holiday

Part Payment

Auto and Manual FRR

Reageing


Batch Rescheduling





Repayments











Single step closure





future date






Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49


miFIN


8


Supports Multiple

Financial

Business

ProcessesLending

Insurance Cards

Collections

Automated


of ACs

Online Financial

Entries

Automatic Financial

Reconciliation

Highly

Configurable amp


parameters

Configurable

Workflow



on system not vice-

versa

miFIN

Financial suite


Detailed

Information


data capture income


documents etc

Web and Mobile

based system

built on n-tier


standard technology

platform

J2EE J2ME

9







Collections




Incentive System

Mobile Workforce


miFIN ndash Modules

10







How secure is the

Application


controls

12


timestamps


Management

Non-Repudiable

Transactions



Access



Implements Industry

Standard Password

Encryption

HTTPS Enabled


Authentication




13






as

ndash Demographic






bull Verification














Dashboards



time


program


14


CAS- Features



verification


ndash TVR




15



bull Sales Manager


bull Branch Manager


bull Users


bull Menu Access

bull Data Access



Configurations

Verification


CAS ndashFeatures

16



requirements

bull MandatoryNon-

mandatory




Deviations


deviations


deviation codes



Users


Module


Product Management

17

















Deduplication

18



19

Ruleset

De-dupe

Engine

Flat file

feed

Data Entry

UI

Upload

Data

Parser

Host

Database

No Match

Exact

Match

Potential

Match

New

Customer

Existing

Customer

Existing

Customer

Review

Approve

Reject

Check Review










bull Active cases

bull Closed cases

bull Negative cases

bull Rejected cases




20



Country

Region

Location

Branch


Hierarchy

Portfolio

Product

Scheme

N-Level Product

Hierarchy


implementations










21



Cash Flow

Loan Details


De-dupe

Documents

Verifications

Credit Decision

Disbursal Mak

Disbursal Auth

Loan Details


Documents



Verifications

Cash Flow

Cash Flow

Credit Decision

Disbursal Mak

Disbursal Auth






Upfront Interest




Overdue period



bull Daily

bull Weekly

bull Fortnightly

bull Monthly

bull Quarterly

bull Half Yearly

bull Yearly



EMI




Installments

Installment Mode



Advance

Interest Type





23


Charges





scheme level



computation




in respective GLs




dupe results


Rates as per policy

guidelines





24

Disbursal



bull Gold



like


Auto CD



25


NPA


26



NPA

Amortization




Calculation Logic -

fixed per EMI on


overdue amt etc



period


monthly


Income Booking post




logics



off loans)

bull Multiple


PDONA Writeoff



DPD



level


income expense

losses at write off



moving DPD


depending on DPD


month end




logic

Amortization


Penal Interest

Accrual





Knockoff Waive-offs


Refunds




cases

Receipts Module

27







bull Billing









bull Banks and City

bull Uploads




Controls




Loan Extension

Top-up

Re-pricing

Interest Holiday

Part Payment

Auto and Manual FRR

Reageing


Batch Rescheduling





Repayments











Single step closure





future date






Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49


Supports Multiple

Financial

Business

ProcessesLending

Insurance Cards

Collections

Automated


of ACs

Online Financial

Entries

Automatic Financial

Reconciliation

Highly

Configurable amp


parameters

Configurable

Workflow



on system not vice-

versa

miFIN

Financial suite


Detailed

Information


data capture income


documents etc

Web and Mobile

based system

built on n-tier


standard technology

platform

J2EE J2ME

9







Collections




Incentive System

Mobile Workforce


miFIN ndash Modules

10







How secure is the

Application


controls

12


timestamps


Management

Non-Repudiable

Transactions



Access



Implements Industry

Standard Password

Encryption

HTTPS Enabled


Authentication




13






as

ndash Demographic






bull Verification














Dashboards



time


program


14


CAS- Features



verification


ndash TVR




15



bull Sales Manager


bull Branch Manager


bull Users


bull Menu Access

bull Data Access



Configurations

Verification


CAS ndashFeatures

16



requirements

bull MandatoryNon-

mandatory




Deviations


deviations


deviation codes



Users


Module


Product Management

17

















Deduplication

18



19

Ruleset

De-dupe

Engine

Flat file

feed

Data Entry

UI

Upload

Data

Parser

Host

Database

No Match

Exact

Match

Potential

Match

New

Customer

Existing

Customer

Existing

Customer

Review

Approve

Reject

Check Review










bull Active cases

bull Closed cases

bull Negative cases

bull Rejected cases




20



Country

Region

Location

Branch


Hierarchy

Portfolio

Product

Scheme

N-Level Product

Hierarchy


implementations










21



Cash Flow

Loan Details


De-dupe

Documents

Verifications

Credit Decision

Disbursal Mak

Disbursal Auth

Loan Details


Documents



Verifications

Cash Flow

Cash Flow

Credit Decision

Disbursal Mak

Disbursal Auth






Upfront Interest




Overdue period



bull Daily

bull Weekly

bull Fortnightly

bull Monthly

bull Quarterly

bull Half Yearly

bull Yearly



EMI




Installments

Installment Mode



Advance

Interest Type





23


Charges





scheme level



computation




in respective GLs




dupe results


Rates as per policy

guidelines





24

Disbursal



bull Gold



like


Auto CD



25


NPA


26



NPA

Amortization




Calculation Logic -

fixed per EMI on


overdue amt etc



period


monthly


Income Booking post




logics



off loans)

bull Multiple


PDONA Writeoff



DPD



level


income expense

losses at write off



moving DPD


depending on DPD


month end




logic

Amortization


Penal Interest

Accrual





Knockoff Waive-offs


Refunds




cases

Receipts Module

27







bull Billing









bull Banks and City

bull Uploads




Controls




Loan Extension

Top-up

Re-pricing

Interest Holiday

Part Payment

Auto and Manual FRR

Reageing


Batch Rescheduling





Repayments











Single step closure





future date






Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49







Collections




Incentive System

Mobile Workforce


miFIN ndash Modules

10







How secure is the

Application


controls

12


timestamps


Management

Non-Repudiable

Transactions



Access



Implements Industry

Standard Password

Encryption

HTTPS Enabled


Authentication




13






as

ndash Demographic






bull Verification














Dashboards



time


program


14


CAS- Features



verification


ndash TVR




15



bull Sales Manager


bull Branch Manager


bull Users


bull Menu Access

bull Data Access



Configurations

Verification


CAS ndashFeatures

16



requirements

bull MandatoryNon-

mandatory




Deviations


deviations


deviation codes



Users


Module


Product Management

17

















Deduplication

18



19

Ruleset

De-dupe

Engine

Flat file

feed

Data Entry

UI

Upload

Data

Parser

Host

Database

No Match

Exact

Match

Potential

Match

New

Customer

Existing

Customer

Existing

Customer

Review

Approve

Reject

Check Review










bull Active cases

bull Closed cases

bull Negative cases

bull Rejected cases




20



Country

Region

Location

Branch


Hierarchy

Portfolio

Product

Scheme

N-Level Product

Hierarchy


implementations










21



Cash Flow

Loan Details


De-dupe

Documents

Verifications

Credit Decision

Disbursal Mak

Disbursal Auth

Loan Details


Documents



Verifications

Cash Flow

Cash Flow

Credit Decision

Disbursal Mak

Disbursal Auth






Upfront Interest




Overdue period



bull Daily

bull Weekly

bull Fortnightly

bull Monthly

bull Quarterly

bull Half Yearly

bull Yearly



EMI




Installments

Installment Mode



Advance

Interest Type





23


Charges





scheme level



computation




in respective GLs




dupe results


Rates as per policy

guidelines





24

Disbursal



bull Gold



like


Auto CD



25


NPA


26



NPA

Amortization




Calculation Logic -

fixed per EMI on


overdue amt etc



period


monthly


Income Booking post




logics



off loans)

bull Multiple


PDONA Writeoff



DPD



level


income expense

losses at write off



moving DPD


depending on DPD


month end




logic

Amortization


Penal Interest

Accrual





Knockoff Waive-offs


Refunds




cases

Receipts Module

27







bull Billing









bull Banks and City

bull Uploads




Controls




Loan Extension

Top-up

Re-pricing

Interest Holiday

Part Payment

Auto and Manual FRR

Reageing


Batch Rescheduling





Repayments











Single step closure





future date






Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49





How secure is the

Application


controls

12


timestamps


Management

Non-Repudiable

Transactions



Access



Implements Industry

Standard Password

Encryption

HTTPS Enabled


Authentication




13






as

ndash Demographic






bull Verification














Dashboards



time


program


14


CAS- Features



verification


ndash TVR




15



bull Sales Manager


bull Branch Manager


bull Users


bull Menu Access

bull Data Access



Configurations

Verification


CAS ndashFeatures

16



requirements

bull MandatoryNon-

mandatory




Deviations


deviations


deviation codes



Users


Module


Product Management

17

















Deduplication

18



19

Ruleset

De-dupe

Engine

Flat file

feed

Data Entry

UI

Upload

Data

Parser

Host

Database

No Match

Exact

Match

Potential

Match

New

Customer

Existing

Customer

Existing

Customer

Review

Approve

Reject

Check Review










bull Active cases

bull Closed cases

bull Negative cases

bull Rejected cases




20



Country

Region

Location

Branch


Hierarchy

Portfolio

Product

Scheme

N-Level Product

Hierarchy


implementations










21



Cash Flow

Loan Details


De-dupe

Documents

Verifications

Credit Decision

Disbursal Mak

Disbursal Auth

Loan Details


Documents



Verifications

Cash Flow

Cash Flow

Credit Decision

Disbursal Mak

Disbursal Auth






Upfront Interest




Overdue period



bull Daily

bull Weekly

bull Fortnightly

bull Monthly

bull Quarterly

bull Half Yearly

bull Yearly



EMI




Installments

Installment Mode



Advance

Interest Type





23


Charges





scheme level



computation




in respective GLs




dupe results


Rates as per policy

guidelines





24

Disbursal



bull Gold



like


Auto CD



25


NPA


26



NPA

Amortization




Calculation Logic -

fixed per EMI on


overdue amt etc



period


monthly


Income Booking post




logics



off loans)

bull Multiple


PDONA Writeoff



DPD



level


income expense

losses at write off



moving DPD


depending on DPD


month end




logic

Amortization


Penal Interest

Accrual





Knockoff Waive-offs


Refunds




cases

Receipts Module

27







bull Billing









bull Banks and City

bull Uploads




Controls




Loan Extension

Top-up

Re-pricing

Interest Holiday

Part Payment

Auto and Manual FRR

Reageing


Batch Rescheduling





Repayments











Single step closure





future date






Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49



How secure is the

Application


controls

12


timestamps


Management

Non-Repudiable

Transactions



Access



Implements Industry

Standard Password

Encryption

HTTPS Enabled


Authentication




13






as

ndash Demographic






bull Verification














Dashboards



time


program


14


CAS- Features



verification


ndash TVR




15



bull Sales Manager


bull Branch Manager


bull Users


bull Menu Access

bull Data Access



Configurations

Verification


CAS ndashFeatures

16



requirements

bull MandatoryNon-

mandatory




Deviations


deviations


deviation codes



Users


Module


Product Management

17

















Deduplication

18



19

Ruleset

De-dupe

Engine

Flat file

feed

Data Entry

UI

Upload

Data

Parser

Host

Database

No Match

Exact

Match

Potential

Match

New

Customer

Existing

Customer

Existing

Customer

Review

Approve

Reject

Check Review










bull Active cases

bull Closed cases

bull Negative cases

bull Rejected cases




20



Country

Region

Location

Branch


Hierarchy

Portfolio

Product

Scheme

N-Level Product

Hierarchy


implementations










21



Cash Flow

Loan Details


De-dupe

Documents

Verifications

Credit Decision

Disbursal Mak

Disbursal Auth

Loan Details


Documents



Verifications

Cash Flow

Cash Flow

Credit Decision

Disbursal Mak

Disbursal Auth






Upfront Interest




Overdue period



bull Daily

bull Weekly

bull Fortnightly

bull Monthly

bull Quarterly

bull Half Yearly

bull Yearly



EMI




Installments

Installment Mode



Advance

Interest Type





23


Charges





scheme level



computation




in respective GLs




dupe results


Rates as per policy

guidelines





24

Disbursal



bull Gold



like


Auto CD



25


NPA


26



NPA

Amortization




Calculation Logic -

fixed per EMI on


overdue amt etc



period


monthly


Income Booking post




logics



off loans)

bull Multiple


PDONA Writeoff



DPD



level


income expense

losses at write off



moving DPD


depending on DPD


month end




logic

Amortization


Penal Interest

Accrual





Knockoff Waive-offs


Refunds




cases

Receipts Module

27







bull Billing









bull Banks and City

bull Uploads




Controls




Loan Extension

Top-up

Re-pricing

Interest Holiday

Part Payment

Auto and Manual FRR

Reageing


Batch Rescheduling





Repayments











Single step closure





future date






Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49



13






as

ndash Demographic






bull Verification














Dashboards



time


program


14


CAS- Features



verification


ndash TVR




15



bull Sales Manager


bull Branch Manager


bull Users


bull Menu Access

bull Data Access



Configurations

Verification


CAS ndashFeatures

16



requirements

bull MandatoryNon-

mandatory




Deviations


deviations


deviation codes



Users


Module


Product Management

17

















Deduplication

18



19

Ruleset

De-dupe

Engine

Flat file

feed

Data Entry

UI

Upload

Data

Parser

Host

Database

No Match

Exact

Match

Potential

Match

New

Customer

Existing

Customer

Existing

Customer

Review

Approve

Reject

Check Review










bull Active cases

bull Closed cases

bull Negative cases

bull Rejected cases




20



Country

Region

Location

Branch


Hierarchy

Portfolio

Product

Scheme

N-Level Product

Hierarchy


implementations










21



Cash Flow

Loan Details


De-dupe

Documents

Verifications

Credit Decision

Disbursal Mak

Disbursal Auth

Loan Details


Documents



Verifications

Cash Flow

Cash Flow

Credit Decision

Disbursal Mak

Disbursal Auth






Upfront Interest




Overdue period



bull Daily

bull Weekly

bull Fortnightly

bull Monthly

bull Quarterly

bull Half Yearly

bull Yearly



EMI




Installments

Installment Mode



Advance

Interest Type





23


Charges





scheme level



computation




in respective GLs




dupe results


Rates as per policy

guidelines





24

Disbursal



bull Gold



like


Auto CD



25


NPA


26



NPA

Amortization




Calculation Logic -

fixed per EMI on


overdue amt etc



period


monthly


Income Booking post




logics



off loans)

bull Multiple


PDONA Writeoff



DPD



level


income expense

losses at write off



moving DPD


depending on DPD


month end




logic

Amortization


Penal Interest

Accrual





Knockoff Waive-offs


Refunds




cases

Receipts Module

27







bull Billing









bull Banks and City

bull Uploads




Controls




Loan Extension

Top-up

Re-pricing

Interest Holiday

Part Payment

Auto and Manual FRR

Reageing


Batch Rescheduling





Repayments











Single step closure





future date






Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49






as

ndash Demographic






bull Verification














Dashboards



time


program


14


CAS- Features



verification


ndash TVR




15



bull Sales Manager


bull Branch Manager


bull Users


bull Menu Access

bull Data Access



Configurations

Verification


CAS ndashFeatures

16



requirements

bull MandatoryNon-

mandatory




Deviations


deviations


deviation codes



Users


Module


Product Management

17

















Deduplication

18



19

Ruleset

De-dupe

Engine

Flat file

feed

Data Entry

UI

Upload

Data

Parser

Host

Database

No Match

Exact

Match

Potential

Match

New

Customer

Existing

Customer

Existing

Customer

Review

Approve

Reject

Check Review










bull Active cases

bull Closed cases

bull Negative cases

bull Rejected cases




20



Country

Region

Location

Branch


Hierarchy

Portfolio

Product

Scheme

N-Level Product

Hierarchy


implementations










21



Cash Flow

Loan Details


De-dupe

Documents

Verifications

Credit Decision

Disbursal Mak

Disbursal Auth

Loan Details


Documents



Verifications

Cash Flow

Cash Flow

Credit Decision

Disbursal Mak

Disbursal Auth






Upfront Interest




Overdue period



bull Daily

bull Weekly

bull Fortnightly

bull Monthly

bull Quarterly

bull Half Yearly

bull Yearly



EMI




Installments

Installment Mode



Advance

Interest Type





23


Charges





scheme level



computation




in respective GLs




dupe results


Rates as per policy

guidelines





24

Disbursal



bull Gold



like


Auto CD



25


NPA


26



NPA

Amortization




Calculation Logic -

fixed per EMI on


overdue amt etc



period


monthly


Income Booking post




logics



off loans)

bull Multiple


PDONA Writeoff



DPD



level


income expense

losses at write off



moving DPD


depending on DPD


month end




logic

Amortization


Penal Interest

Accrual





Knockoff Waive-offs


Refunds




cases

Receipts Module

27







bull Billing









bull Banks and City

bull Uploads




Controls




Loan Extension

Top-up

Re-pricing

Interest Holiday

Part Payment

Auto and Manual FRR

Reageing


Batch Rescheduling





Repayments











Single step closure





future date






Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49


CAS- Features



verification


ndash TVR




15



bull Sales Manager


bull Branch Manager


bull Users


bull Menu Access

bull Data Access



Configurations

Verification


CAS ndashFeatures

16



requirements

bull MandatoryNon-

mandatory




Deviations


deviations


deviation codes



Users


Module


Product Management

17

















Deduplication

18



19

Ruleset

De-dupe

Engine

Flat file

feed

Data Entry

UI

Upload

Data

Parser

Host

Database

No Match

Exact

Match

Potential

Match

New

Customer

Existing

Customer

Existing

Customer

Review

Approve

Reject

Check Review










bull Active cases

bull Closed cases

bull Negative cases

bull Rejected cases




20



Country

Region

Location

Branch


Hierarchy

Portfolio

Product

Scheme

N-Level Product

Hierarchy


implementations










21



Cash Flow

Loan Details


De-dupe

Documents

Verifications

Credit Decision

Disbursal Mak

Disbursal Auth

Loan Details


Documents



Verifications

Cash Flow

Cash Flow

Credit Decision

Disbursal Mak

Disbursal Auth






Upfront Interest




Overdue period



bull Daily

bull Weekly

bull Fortnightly

bull Monthly

bull Quarterly

bull Half Yearly

bull Yearly



EMI




Installments

Installment Mode



Advance

Interest Type





23


Charges





scheme level



computation




in respective GLs




dupe results


Rates as per policy

guidelines





24

Disbursal



bull Gold



like


Auto CD



25


NPA


26



NPA

Amortization




Calculation Logic -

fixed per EMI on


overdue amt etc



period


monthly


Income Booking post




logics



off loans)

bull Multiple


PDONA Writeoff



DPD



level


income expense

losses at write off



moving DPD


depending on DPD


month end




logic

Amortization


Penal Interest

Accrual





Knockoff Waive-offs


Refunds




cases

Receipts Module

27







bull Billing









bull Banks and City

bull Uploads




Controls




Loan Extension

Top-up

Re-pricing

Interest Holiday

Part Payment

Auto and Manual FRR

Reageing


Batch Rescheduling





Repayments











Single step closure





future date






Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49


CAS ndashFeatures

16



requirements

bull MandatoryNon-

mandatory




Deviations


deviations


deviation codes



Users


Module


Product Management

17

















Deduplication

18



19

Ruleset

De-dupe

Engine

Flat file

feed

Data Entry

UI

Upload

Data

Parser

Host

Database

No Match

Exact

Match

Potential

Match

New

Customer

Existing

Customer

Existing

Customer

Review

Approve

Reject

Check Review










bull Active cases

bull Closed cases

bull Negative cases

bull Rejected cases




20



Country

Region

Location

Branch


Hierarchy

Portfolio

Product

Scheme

N-Level Product

Hierarchy


implementations










21



Cash Flow

Loan Details


De-dupe

Documents

Verifications

Credit Decision

Disbursal Mak

Disbursal Auth

Loan Details


Documents



Verifications

Cash Flow

Cash Flow

Credit Decision

Disbursal Mak

Disbursal Auth






Upfront Interest




Overdue period



bull Daily

bull Weekly

bull Fortnightly

bull Monthly

bull Quarterly

bull Half Yearly

bull Yearly



EMI




Installments

Installment Mode



Advance

Interest Type





23


Charges





scheme level



computation




in respective GLs




dupe results


Rates as per policy

guidelines





24

Disbursal



bull Gold



like


Auto CD



25


NPA


26



NPA

Amortization




Calculation Logic -

fixed per EMI on


overdue amt etc



period


monthly


Income Booking post




logics



off loans)

bull Multiple


PDONA Writeoff



DPD



level


income expense

losses at write off



moving DPD


depending on DPD


month end




logic

Amortization


Penal Interest

Accrual





Knockoff Waive-offs


Refunds




cases

Receipts Module

27







bull Billing









bull Banks and City

bull Uploads




Controls




Loan Extension

Top-up

Re-pricing

Interest Holiday

Part Payment

Auto and Manual FRR

Reageing


Batch Rescheduling





Repayments











Single step closure





future date






Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49


Product Management

17

















Deduplication

18



19

Ruleset

De-dupe

Engine

Flat file

feed

Data Entry

UI

Upload

Data

Parser

Host

Database

No Match

Exact

Match

Potential

Match

New

Customer

Existing

Customer

Existing

Customer

Review

Approve

Reject

Check Review










bull Active cases

bull Closed cases

bull Negative cases

bull Rejected cases




20



Country

Region

Location

Branch


Hierarchy

Portfolio

Product

Scheme

N-Level Product

Hierarchy


implementations










21



Cash Flow

Loan Details


De-dupe

Documents

Verifications

Credit Decision

Disbursal Mak

Disbursal Auth

Loan Details


Documents



Verifications

Cash Flow

Cash Flow

Credit Decision

Disbursal Mak

Disbursal Auth






Upfront Interest




Overdue period



bull Daily

bull Weekly

bull Fortnightly

bull Monthly

bull Quarterly

bull Half Yearly

bull Yearly



EMI




Installments

Installment Mode



Advance

Interest Type





23


Charges





scheme level



computation




in respective GLs




dupe results


Rates as per policy

guidelines





24

Disbursal



bull Gold



like


Auto CD



25


NPA


26



NPA

Amortization




Calculation Logic -

fixed per EMI on


overdue amt etc



period


monthly


Income Booking post




logics



off loans)

bull Multiple


PDONA Writeoff



DPD



level


income expense

losses at write off



moving DPD


depending on DPD


month end




logic

Amortization


Penal Interest

Accrual





Knockoff Waive-offs


Refunds




cases

Receipts Module

27







bull Billing









bull Banks and City

bull Uploads




Controls




Loan Extension

Top-up

Re-pricing

Interest Holiday

Part Payment

Auto and Manual FRR

Reageing


Batch Rescheduling





Repayments











Single step closure





future date






Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49


Deduplication

18



19

Ruleset

De-dupe

Engine

Flat file

feed

Data Entry

UI

Upload

Data

Parser

Host

Database

No Match

Exact

Match

Potential

Match

New

Customer

Existing

Customer

Existing

Customer

Review

Approve

Reject

Check Review










bull Active cases

bull Closed cases

bull Negative cases

bull Rejected cases




20



Country

Region

Location

Branch


Hierarchy

Portfolio

Product

Scheme

N-Level Product

Hierarchy


implementations










21



Cash Flow

Loan Details


De-dupe

Documents

Verifications

Credit Decision

Disbursal Mak

Disbursal Auth

Loan Details


Documents



Verifications

Cash Flow

Cash Flow

Credit Decision

Disbursal Mak

Disbursal Auth






Upfront Interest




Overdue period



bull Daily

bull Weekly

bull Fortnightly

bull Monthly

bull Quarterly

bull Half Yearly

bull Yearly



EMI




Installments

Installment Mode



Advance

Interest Type





23


Charges





scheme level



computation




in respective GLs




dupe results


Rates as per policy

guidelines





24

Disbursal



bull Gold



like


Auto CD



25


NPA


26



NPA

Amortization




Calculation Logic -

fixed per EMI on


overdue amt etc



period


monthly


Income Booking post




logics



off loans)

bull Multiple


PDONA Writeoff



DPD



level


income expense

losses at write off



moving DPD


depending on DPD


month end




logic

Amortization


Penal Interest

Accrual





Knockoff Waive-offs


Refunds




cases

Receipts Module

27







bull Billing









bull Banks and City

bull Uploads




Controls




Loan Extension

Top-up

Re-pricing

Interest Holiday

Part Payment

Auto and Manual FRR

Reageing


Batch Rescheduling





Repayments











Single step closure





future date






Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49



19

Ruleset

De-dupe

Engine

Flat file

feed

Data Entry

UI

Upload

Data

Parser

Host

Database

No Match

Exact

Match

Potential

Match

New

Customer

Existing

Customer

Existing

Customer

Review

Approve

Reject

Check Review










bull Active cases

bull Closed cases

bull Negative cases

bull Rejected cases




20



Country

Region

Location

Branch


Hierarchy

Portfolio

Product

Scheme

N-Level Product

Hierarchy


implementations










21



Cash Flow

Loan Details


De-dupe

Documents

Verifications

Credit Decision

Disbursal Mak

Disbursal Auth

Loan Details


Documents



Verifications

Cash Flow

Cash Flow

Credit Decision

Disbursal Mak

Disbursal Auth






Upfront Interest




Overdue period



bull Daily

bull Weekly

bull Fortnightly

bull Monthly

bull Quarterly

bull Half Yearly

bull Yearly



EMI




Installments

Installment Mode



Advance

Interest Type





23


Charges





scheme level



computation




in respective GLs




dupe results


Rates as per policy

guidelines





24

Disbursal



bull Gold



like


Auto CD



25


NPA


26



NPA

Amortization




Calculation Logic -

fixed per EMI on


overdue amt etc



period


monthly


Income Booking post




logics



off loans)

bull Multiple


PDONA Writeoff



DPD



level


income expense

losses at write off



moving DPD


depending on DPD


month end




logic

Amortization


Penal Interest

Accrual





Knockoff Waive-offs


Refunds




cases

Receipts Module

27







bull Billing









bull Banks and City

bull Uploads




Controls




Loan Extension

Top-up

Re-pricing

Interest Holiday

Part Payment

Auto and Manual FRR

Reageing


Batch Rescheduling





Repayments











Single step closure





future date






Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49



20



Country

Region

Location

Branch


Hierarchy

Portfolio

Product

Scheme

N-Level Product

Hierarchy


implementations










21



Cash Flow

Loan Details


De-dupe

Documents

Verifications

Credit Decision

Disbursal Mak

Disbursal Auth

Loan Details


Documents



Verifications

Cash Flow

Cash Flow

Credit Decision

Disbursal Mak

Disbursal Auth






Upfront Interest




Overdue period



bull Daily

bull Weekly

bull Fortnightly

bull Monthly

bull Quarterly

bull Half Yearly

bull Yearly



EMI




Installments

Installment Mode



Advance

Interest Type





23


Charges





scheme level



computation




in respective GLs




dupe results


Rates as per policy

guidelines





24

Disbursal



bull Gold



like


Auto CD



25


NPA


26



NPA

Amortization




Calculation Logic -

fixed per EMI on


overdue amt etc



period


monthly


Income Booking post




logics



off loans)

bull Multiple


PDONA Writeoff



DPD



level


income expense

losses at write off



moving DPD


depending on DPD


month end




logic

Amortization


Penal Interest

Accrual





Knockoff Waive-offs


Refunds




cases

Receipts Module

27







bull Billing









bull Banks and City

bull Uploads




Controls




Loan Extension

Top-up

Re-pricing

Interest Holiday

Part Payment

Auto and Manual FRR

Reageing


Batch Rescheduling





Repayments











Single step closure





future date






Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49



Country

Region

Location

Branch


Hierarchy

Portfolio

Product

Scheme

N-Level Product

Hierarchy


implementations










21



Cash Flow

Loan Details


De-dupe

Documents

Verifications

Credit Decision

Disbursal Mak

Disbursal Auth

Loan Details


Documents



Verifications

Cash Flow

Cash Flow

Credit Decision

Disbursal Mak

Disbursal Auth






Upfront Interest




Overdue period



bull Daily

bull Weekly

bull Fortnightly

bull Monthly

bull Quarterly

bull Half Yearly

bull Yearly



EMI




Installments

Installment Mode



Advance

Interest Type





23


Charges





scheme level



computation




in respective GLs




dupe results


Rates as per policy

guidelines





24

Disbursal



bull Gold



like


Auto CD



25


NPA


26



NPA

Amortization




Calculation Logic -

fixed per EMI on


overdue amt etc



period


monthly


Income Booking post




logics



off loans)

bull Multiple


PDONA Writeoff



DPD



level


income expense

losses at write off



moving DPD


depending on DPD


month end




logic

Amortization


Penal Interest

Accrual





Knockoff Waive-offs


Refunds




cases

Receipts Module

27







bull Billing









bull Banks and City

bull Uploads




Controls




Loan Extension

Top-up

Re-pricing

Interest Holiday

Part Payment

Auto and Manual FRR

Reageing


Batch Rescheduling





Repayments











Single step closure





future date






Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49



Cash Flow

Loan Details


De-dupe

Documents

Verifications

Credit Decision

Disbursal Mak

Disbursal Auth

Loan Details


Documents



Verifications

Cash Flow

Cash Flow

Credit Decision

Disbursal Mak

Disbursal Auth






Upfront Interest




Overdue period



bull Daily

bull Weekly

bull Fortnightly

bull Monthly

bull Quarterly

bull Half Yearly

bull Yearly



EMI




Installments

Installment Mode



Advance

Interest Type





23


Charges





scheme level



computation




in respective GLs




dupe results


Rates as per policy

guidelines





24

Disbursal



bull Gold



like


Auto CD



25


NPA


26



NPA

Amortization




Calculation Logic -

fixed per EMI on


overdue amt etc



period


monthly


Income Booking post




logics



off loans)

bull Multiple


PDONA Writeoff



DPD



level


income expense

losses at write off



moving DPD


depending on DPD


month end




logic

Amortization


Penal Interest

Accrual





Knockoff Waive-offs


Refunds




cases

Receipts Module

27







bull Billing









bull Banks and City

bull Uploads




Controls




Loan Extension

Top-up

Re-pricing

Interest Holiday

Part Payment

Auto and Manual FRR

Reageing


Batch Rescheduling





Repayments











Single step closure





future date






Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49





Upfront Interest




Overdue period



bull Daily

bull Weekly

bull Fortnightly

bull Monthly

bull Quarterly

bull Half Yearly

bull Yearly



EMI




Installments

Installment Mode



Advance

Interest Type





23


Charges





scheme level



computation




in respective GLs




dupe results


Rates as per policy

guidelines





24

Disbursal



bull Gold



like


Auto CD



25


NPA


26



NPA

Amortization




Calculation Logic -

fixed per EMI on


overdue amt etc



period


monthly


Income Booking post




logics



off loans)

bull Multiple


PDONA Writeoff



DPD



level


income expense

losses at write off



moving DPD


depending on DPD


month end




logic

Amortization


Penal Interest

Accrual





Knockoff Waive-offs


Refunds




cases

Receipts Module

27







bull Billing









bull Banks and City

bull Uploads




Controls




Loan Extension

Top-up

Re-pricing

Interest Holiday

Part Payment

Auto and Manual FRR

Reageing


Batch Rescheduling





Repayments











Single step closure





future date






Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49


Charges





scheme level



computation




in respective GLs




dupe results


Rates as per policy

guidelines





24

Disbursal



bull Gold



like


Auto CD



25


NPA


26



NPA

Amortization




Calculation Logic -

fixed per EMI on


overdue amt etc



period


monthly


Income Booking post




logics



off loans)

bull Multiple


PDONA Writeoff



DPD



level


income expense

losses at write off



moving DPD


depending on DPD


month end




logic

Amortization


Penal Interest

Accrual





Knockoff Waive-offs


Refunds




cases

Receipts Module

27







bull Billing









bull Banks and City

bull Uploads




Controls




Loan Extension

Top-up

Re-pricing

Interest Holiday

Part Payment

Auto and Manual FRR

Reageing


Batch Rescheduling





Repayments











Single step closure





future date






Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49



25


NPA


26



NPA

Amortization




Calculation Logic -

fixed per EMI on


overdue amt etc



period


monthly


Income Booking post




logics



off loans)

bull Multiple


PDONA Writeoff



DPD



level


income expense

losses at write off



moving DPD


depending on DPD


month end




logic

Amortization


Penal Interest

Accrual





Knockoff Waive-offs


Refunds




cases

Receipts Module

27







bull Billing









bull Banks and City

bull Uploads




Controls




Loan Extension

Top-up

Re-pricing

Interest Holiday

Part Payment

Auto and Manual FRR

Reageing


Batch Rescheduling





Repayments











Single step closure





future date






Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49


NPA


26



NPA

Amortization




Calculation Logic -

fixed per EMI on


overdue amt etc



period


monthly


Income Booking post




logics



off loans)

bull Multiple


PDONA Writeoff



DPD



level


income expense

losses at write off



moving DPD


depending on DPD


month end




logic

Amortization


Penal Interest

Accrual





Knockoff Waive-offs


Refunds




cases

Receipts Module

27







bull Billing









bull Banks and City

bull Uploads




Controls




Loan Extension

Top-up

Re-pricing

Interest Holiday

Part Payment

Auto and Manual FRR

Reageing


Batch Rescheduling





Repayments











Single step closure





future date






Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49





Knockoff Waive-offs


Refunds




cases

Receipts Module

27







bull Billing









bull Banks and City

bull Uploads




Controls




Loan Extension

Top-up

Re-pricing

Interest Holiday

Part Payment

Auto and Manual FRR

Reageing


Batch Rescheduling





Repayments











Single step closure





future date






Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49




Loan Extension

Top-up

Re-pricing

Interest Holiday

Part Payment

Auto and Manual FRR

Reageing


Batch Rescheduling





Repayments











Single step closure





future date






Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49




Repayments











Single step closure





future date






Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49



Single step closure





future date






Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49



Disbursal Repayment

ClosureRescheduling


others

Loan transactions


voucher generation



side


Stage)






32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49



32



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49



















Master Queue









hierarchy



ndash Allocation











Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49










Allocation rules

Action

Recording


levels




Manual Reallocation


Action Recording

Workflow

Action Codes

Result Codes

Case State Codes

Escalations

Letters

Framework

Reports









34


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49


Customer Service

35



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49



Feature List




filtering


trails








Resolved calls)


Reports

36



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49



37



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49



Feature List

bull Reports


Reports






bull Trigger based







communication modes




38



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49



39



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49



Feature List




GL




bull Value Dating





bull Reconciliation





Capabilities

ndash Bank Recon

Excess Handling

40


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49


Incentives Module

41


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49


Incentives Module

Feature List









attributes









exception scenarios


42


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49


Mobile Workforce

43


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49


Mobile Workforce

Feature List











bull Modules





44



45



Feature List







bull Collections








Interface

46



47




Thank You

49



45



Feature List







bull Collections








Interface

46



47




Thank You

49



Feature List







bull Collections








Interface

46



47




Thank You

49



47




Thank You

49




Thank You

49


Thank You

49

Mi fin financial product suite

Technology

managers dashboard suite

loan origination system

customer acquisition system

configurable maker checker

loan management system

financial product suite

customer service module

loan details