Introducing Finezza Co-Pilot: AI Assistant for Loan Management

When your loan officer asks, “What’s the outstanding amount on loan ID 208241?” at 4 PM on a Friday, how long does it take them to find the answer?

If they’re new to your team, they might spend 15 minutes navigating through multiple screens in your LMS, and they might still be figuring out which module contains repayment schedules versus payment history.

And if they need to generate a payment link with a specific due amount, they’re probably asking a senior colleague who’s already handling three other queries.

This isn’t a training problem. It’s a structural problem that compounds every time experienced staff leave and new hires struggle to reach productivity.

That’s why we’ve built Finezza Co-Pilot – an agentic AI assistant integrated directly within your Loan Management System.

Instead of navigating screens and remembering workflows, your team simply asks Co-Pilot in plain English and receives immediate answers. It executes tasks, retrieves data, generates documents, and maintains context across conversations.

Need for Finezza Co-Pilot in Lending Operations

Indian NBFCs face exceptionally high attrition rates, with some organisations experiencing annual turnover exceeding 70%.

Research indicates that a significant portion of this turnover (up to 35-40%) occurs within the first two months of employment, often due to inadequate onboarding and system complexity.

The operational impact isn’t just about hiring costs. Every time an experienced loan officer leaves, institutional knowledge walks out with them. New hires inherit outdated loan management systems they don’t understand, workflows they haven’t internalised, and a cognitive load that makes routine tasks feel overwhelming.

A typical loan officer handles multiple daily tasks: responding to borrower queries about loan status and payment schedules, generating payment links for collections, pulling loan details for credit reviews, creating repayment schedule documents, and cross-referencing multiple loans for the same borrower.

Each task requires knowing where information lives in your LMS, which screens to navigate, and which fields to check.

For experienced staff, these become second nature.

For new hires still learning the system, every query becomes a 10-minute research project.

Key Use Cases of Finezza Co-Pilot

#1. Instant Loan Information Retrieval

Your team can request complete loan information for any loan ID, and Co-Pilot instantly fetches borrower details, disbursement amounts, current status, and outstanding balances.

For example, simply ask, “What’s the outstanding amount on loan ID 208241?” and right there, you have the complete response.

The system also provides a direct link to the full loan page for deeper analysis, eliminating the need to remember which dashboard view contains which details.

#2. Contextual Conversation Memory

Following up on the above example, you can further ask, “Now generate a repayment schedule for this.”

Finezza Co-Pilot understands you’re still referring to loan ID 208241 – no need to repeat the loan ID or restart the search.

This contextual understanding mimics how experienced colleagues help each other, allowing conversations to flow naturally without forcing users to provide redundant information.

#3. Document Generation and Download

Need a borrower-facing repayment schedule document? Co-Pilot creates formatted files with instalments, due dates, and amounts within moments.

Simply specify the loan ID and document type, and the system handles everything from data extraction to formatting, ready for download or sharing with the borrower.

#4. Multi-Loan Queries by Borrower

When a borrower calls about their loans without providing a loan ID, your team can search by name.

Co-Pilot displays every loan associated with that borrower, allowing staff to select the relevant loan ID and pull complete details. This borrower-centric view speeds up customer service interactions and helps collections teams manage multiple exposures for the same individual.

#5. Payment Link Generation

Collections teams spend significant time generating payment links for borrowers. Finezza Co-Pilot handles this in seconds.

Ask “Generate payment link for loan ID 208403,” and the system responds by asking what amount you’d like to collect. Specify “current due amount as of 4th November 2025,” and Co-Pilot generates a payment link ready to send.

The link integrates with your existing payment gateway (RazorPay, Cashfree, etc.) and includes all necessary payment details.

#6. Direct Navigation to Loan Pages

Every response from Co-Pilot includes direct links to relevant loan pages within your LMS. If you need to go deeper than the summary information Co-Pilot provides, click the link to access the full loan record without navigating through multiple screens.

How This Changes Daily Operations

For New Loan Officers: Onboarding time drops dramatically. Instead of spending weeks learning which screens contain which information, new hires ask Co-Pilot and receive immediate answers.
For Operations Teams: Routine queries that previously required senior staff intervention now resolve instantly. Junior team members handle more queries independently, reducing bottlenecks.
For Collections Teams: Payment link generation moves from a manual task to a 30-second conversation with Co-Pilot, improving collections efficiency without adding headcount.
For Managers: Management bandwidth previously spent answering “where do I find this?” questions redirects to strategic work, allowing focus on coaching around judgment and credit decisions.

Built for Lending Operations, Not Generic Workflows

Finezza Co-Pilot isn’t a general-purpose AI assistant retrofitted for lending. It’s purpose-built around lending operations workflows, with deep integration into Finezza LMS data structures and business logic.

The system understands lending terminology, recognises loan lifecycle stages, and executes tasks specific to loan servicing and collections. This domain specialisation ensures responses are accurate, relevant, and immediately actionable.

Available Now for Finezza LMS Users

Finezza Co-Pilot is available immediately for all Finezza LMS users. The assistant appears on the right side of your LMS dashboard, ready to respond to natural language queries from day one.

No separate login, no integration project, no training cycles. Your team starts using Co-Pilot the moment it’s activated in your environment.

Ready to Reduce Operational Friction?

If your team spends hours each week navigating LMS screens to answer routine queries, or if new hire productivity remains a bottleneck despite onboarding investments, Finezza Co-Pilot addresses these challenges directly.

Need for Finezza Co-Pilot in Lending Operations