Introducing Finezza

Lending Lifecycle Management Platform and Credit Evaluation Services.

Products

What Does Finezza Offer?

Lending Lifecycle Management

An intuitive solution designed for today’s business environment that creates a seamless experience right from origination to the servicing of different categories of loans. Avoid data silos and get a unified view of the different stages of the loan lifecycle.

Learn More
Finezza offers an integrated solution that works at all stages of the lending lifecycle.

Through its omni-channel communication ecosystem, potential customers can approach you across all touchpoints and channels. The conversion into leads is quick through an automated process that assigns the loan enquiry to the right marketing and business channels and, facilitates insight-sharing back to the sales, marketing and operations teams.

With the help of our extensive credit assessment tools, we help you analyze the true credit-worthiness of an applicant, allowing you to make decisions faster and, more effectively. Paperless verification and validation of customers’ documentation facilitate faster loan processing.

With optimized disbursal processes and post-loan collection workflows and customer service, Finezza ensures a rapid and insight driven experience for the lenders and consequently, a better experience to their end customers.

Contact Us ➔

Bank Statement Analysis Algorithm

Accurate analysis of an applicant’s financial transactions to capture the underlying decisions, thereby arriving upon a more practical index that drastically reduces the possibility of NPAs and bad credit.

Learn More
Finezza’s Bank Statement Analysis(BSA) showcases the deep topical domain understanding that the team possesses from the perspective of a credit evaluation or lending decision. The product can understand and analyse formats from more than 400 banks across the country. Along with an understanding of the transactions and the data on a unit basis, the product also creates many visualisations and pertinent reports that aid the Credit Evaluation team to understand and analyse the potential borrower for a potential loan.

Detection of regular and recurring transactions is also enabled. The product is able to detect fraudulent statements, circular transactions, irregular patterns, transactions, and other such discrepancies. The data and analysis that run on top of it help create an accurate understanding of and projections for the business and also about the ability of the customer to pay, etc.

Finezza’s Bank Statement Analysis Algorithm reduces the turnaround time for a credit decision drastically.

Contact Us ➔

Bank Statement Analysis Algorithm

Accurate analysis of an applicant’s financial transactions to capture the underlying decisions, thereby arriving upon a more practical index that drastically reduces the possibility of NPAs and bad credit.

Learn More
Finezza’s Bank Statement Analysis(BSA) showcases the deep topical domain understanding that the team possesses from the perspective of a credit evaluation or lending decision. The product can understand and analyse formats from more than 400 banks across the country. Along with an understanding of the transactions and the data on a unit basis, the product also creates many visualisations and pertinent reports that aid the Credit Evaluation team to understand and analyse the potential borrower for a potential loan.

Detection of regular and recurring transactions is also enabled. The product is able to detect fraudulent statements, circular transactions, irregular patterns, transactions, and other such discrepancies. The data and analysis that run on top of it help create an accurate understanding of and projections for the business and also about the ability of the customer to pay, etc.

Finezza’s Bank Statement Analysis Algorithm reduces the turnaround time for a credit decision drastically.

Contact Us ➔

Credit Bureau Data Analysis Algorithm

Customised credit analysis based on data from multiple institutions, arriving upon a more dependable credit score to ensure more intelligent decision making.

Learn More
Finezza’s data science team has spent a large amount of time understanding and deciphering Credit Bureau data and scores. As a result, Finezza is able to offer its own proprietary analysis of Credit Bureau data. Rather than just relying on scores as a gating criterion, Finezza’s Credit Bureau Data Analysis offers a number of reports which evaluate many combinations of various data points that are taken from multiple credit bureaus.

These reports help the Credit Evaluator visualise and understand the information that is hidden in the verbose Credit Bureau reports. This helps in tracking cases on an ongoing basis as well. Finezza’s Credit Bureau Data Analysis helps reduce evaluation mistakes and TAT for Credit evaluation.

Accurate analysis of an applicant’s financial transactions to capture the underlying decisions, thereby arriving upon a more practical index that drastically reduces the possibility of NPAs and bad credit.

Contact Us ➔

Loan Eligibility Estimator

360 degree assessment of creditworthiness cut down to just a few hours to reduce the lead-to-loan TAT.

Learn More
Finezza’s credit assessment and analytics tools give you an all-round view of a customer’s eligibility for a business loan.

Finezza’s proprietary Loan Eligibility Estimator helps blend analysis involving various data points across transactions, bank account statements, financial parameters, GST, IT and Credit Bureau data to create a realistic view of the business / person who is being evaluated for a loan. It is capable of taking inputs that mimic the credit evaluator’s understanding (haircuts, cash component as per industry et al) of the business in to its algorithms and builds scenarios with respect to possible loans and terms that can be offered to the potential borrower.

Our clients have been using the Loan Eligibility Estimator to look at various options that can be presented to the borrower and use the machine-driven algorithms to reduce human bias and increase business TAT

Contact Us ➔

Loan Eligibility Estimator

360 degree assessment of creditworthiness cut down to just a few hours to reduce the lead-to-loan TAT.

Learn More
Finezza’s credit assessment and analytics tools give you an all-round view of a customer’s eligibility for a business loan.

Finezza’s proprietary Loan Eligibility Estimator helps blend analysis involving various data points across transactions, bank account statements, financial parameters, GST, IT and Credit Bureau data to create a realistic view of the business / person who is being evaluated for a loan. It is capable of taking inputs that mimic the credit evaluator’s understanding (haircuts, cash component as per industry et al) of the business into its algorithms and builds scenarios with respect to possible loans and terms that can be offered to the potential borrower.

Our clients have been using the Loan Eligibility Estimator to look at various options that can be presented to the borrower and use the machine-driven algorithms to reduce human bias and increase business TAT

Contact Us ➔

Analytics

Analytics is at the core of Finezza.

It offers a user-friendly ecosystem comprising of an NLP-based chatbot, the web portal, and emails to ensure real-time credit decisions!

Finezza’s analytics empowers businesses to make faster, and better decisions throughout the different stages of a customer’s lending lifecycle.

Features

Custom Solutions

KYC Framework

Finezza uses an AI-enabled KYC framework to compile and store customer data from various sources, giving a clear picture of the customer’s financial history.

Product Process Framework

Finezza offers customised, end-to-end lending solutions, through a number of communication channels to interface with existing and potential customers.

Decision Support Ecosystem

Finezza’s integrated portfolio of products helps take timely, and accurate credit decisions, reducing the lead-to-loan TAT, and also ensuring a seamless lending process.

Mobile Ecosystem

Finezza offers the convenience of a mobile ecosystem to facilitate all requests, detect potential delinquencies, optimize the conversion funnel, and ensure seamless loan servicing.

Why Finezza?

Finezza is an end-to-end lending solution portfolio that aims at easing financial analysis and decision support for any new-age, growth-oriented lending organisation.

What’s more, Finezza is software and platform agnostic, with secure APIs and data-pipelines that can be easily integrated. Finezza has your security needs factored in too, with data-access controls.

Managing the entire lifecycle of a loan application process, with an instant view of repayment history, lapses, and predictive analysis of future repayments.
Assessing an applicant’s credit-worthiness by analyzing the underlying financial transactions of the applicant to come up with a unique and a practical index that reduces the probability of NPAs or credit going bad, rather than just focusing on the credit score.
Helping to do away with false-positives and ensuring super quick assessments, thereby reducing your lead-to-loan TAT.
Generating forward-looking reports, that identify trends and black sheep, and help improve your loan book and credit assessment strategies.

Who Are We?

About Us

We are a team of tech and product veterans who have domain knowledge, and understand exactly what matters for financial institutions’ credit and lending arms.

Finezza has been built in an iterative fashion to provide customized solutions to all fintech companies looking at an AI-driven growth trajectory.

Contact Us

Questions, feedback or want to have a word with us? Get in touch using the details below or just drop us a message ➡

contactus@finezza.in
303, K L Accolade, Rd Number 6,
T.P.S III, Golibar, Santacruz East,
Mumbai, Maharashtra 400055