Loan officer asks: ‘What’s the outstanding balance on loan 208241?’ Four minutes later, after opening three screens, cross-referencing LOS and CBS data, and manually calculating interest accrued since last payment, they finally have an answer. Multiply this by 200+ daily queries, and 15 productive hours vanish into routine information retrieval.
When 35% of new NBFC hires quit within 60 days because system complexity overwhelms them under quota pressure, training costs spiral whilst customer service suffers. Each replacement costs ₹2.4 lakhs in salary plus three months before productivity begins.
Finezza Co-pilot eliminates this friction. Loan officers type questions in plain English (‘Show me all loans for Customer X’), and the system retrieves data, generates documents, and executes workflows instantly. No navigation menus. No training curve and No errors from manual data entry.
What Are Natural Language Loan Queries
Natural language loan queries allow lending teams to retrieve information, generate documents, and execute workflows by typing questions in plain English instead of navigating system menus or memorising report locations.
Traditional LMS interfaces require knowing: Which module contains borrower data? What’s the exact field name for outstanding principal? How do I export repayment schedules? Where does the system store payment history? New hires spend 6-8 weeks learning these navigation paths before reaching full productivity.
Natural language processing eliminates this learning curve:
Instead of: Dashboard → Loan Management → Search Loans → Enter Loan ID → View Details → Navigate to Payments Tab
Loan officers type: ‘Show me loan details for customer 208241.’
The system understands entities (loan ID, customer name, account number), intent (retrieve, generate, calculate), and context (if you previously asked about loan 208241, saying ‘generate the repayment schedule’ automatically applies to that same loan).
This isn’t simplified navigation. It’s natural language understanding that maps conversational queries to complex database operations, document generation engines, and payment gateway APIs whilst maintaining full audit trails for compliance.
How Do Natural Language Queries Work for NBFCs?
Natural language loan queries transform how NBFCs manage lending operations. Processing speed has a huge impact on lending performance. Chatbots can cut loan approval times by up to 75%, allowing your team to handle more applications without working extra hours.
Accuracy is another major advantage. Manual data entry leads to frequent errors, but natural language processing removes this risk by pulling information directly from the system, making your loan data far more reliable.
Customer satisfaction rises dramatically, too. With instant, 24/7 responses, customers get the clarity they want immediately.
Finezza introduced Co-pilot to bring these natural language capabilities directly into the heart of lending operations. Instead of using separate tools or relying on manual searches, your team can now ask questions conversationally, and the system retrieves data, generates documents, and completes tasks instantly.
What is Finezza Co-pilot?
Co-pilot connects to Finezza’s Collections & Delinquency Management module, Document Generation engine, and payment gateway integrations (RazorPay, Cashfree) to execute queries across the entire lending lifecycle. It understands natural language conversations and can execute complex lending tasks within seconds.
It operates as a persistent chat interface within your LMS, accessible to all authorised users based on role permissions.
There’s no additional software or complicated setup required. Co-pilot sits seamlessly within your existing system, appearing the moment your team logs in and ready to assist right away.
How Finezza Co-pilot Works
Finezza Co-pilot integrates directly into your LMS with no additional software installation required. Its key features include:
Natural Language Understanding
Finezza Co-pilot understands the way you actually speak. There’s no need to remember codes, use technical commands, or follow a strict format.
The AI continuously learns your communication patterns. It even remembers context from previous queries, so if you asked about a loan earlier, it knows exactly which one you’re referring to.
Instant Data Retrieval
Traditional searches take minutes. Co-pilot delivers results in milliseconds.
Ask about any loan, and it instantly retrieves every connected detail like borrower information, payment history, outstanding balance, and upcoming dues.
It also generates direct links to the loan’s page, allowing you to navigate instantly without clicking through menus.
Context-Aware Responses
Co-pilot follows the flow of your conversation. If you ask about loan 208241 and then say, “Generate the repayment schedule,” it knows you’re still referring to the same loan.
No need for repetition or retyping IDs. Just natural, continuous conversation that shows lending transparency.
Automatic Document Generation
Manual document creation is slow, error-prone, and inconsistent. Co-pilot automates the entire process, whether it’s repayment schedules, payment receipts, loan agreements, or compliance reports.
Simply ask, “Create a repayment schedule as a PDF,” and within seconds, a fully formatted, accurate document is ready to download or share.
5 Use Cases of Finezza Co-pilot
Use Case 1: Instant Loan Information Retrieval
When you need loan details for a specific borrower, the traditional process involves searching through multiple screens and menus. With Finezza Co-pilot, you simply ask: “Get me loan details for ID 208241.”
Co-pilot instantly shows borrower profile, balances, payment history, and provides a direct link to the loan page. This reduces information retrieval time from 3-4 minutes to under 10 seconds, enabling faster customer responses.
Use Case 2: Automated Repayment Schedule Generation
Borrowers frequently ask, “How much do I owe?” or “When is my next payment?” Creating repayment schedules manually is slow and error-prone, with manual formula entry leading to calculation mistakes in 8-12% of schedules.
Co-pilot creates them instantly when you ask: “Generate the repayment schedule for loan 2098521.”
It remembers context, produces complete schedules, and converts them to PDF or Excel on command. Borrowers get clear information in under 5 seconds instead of waiting 5-6 minutes, and collections teams gain accurate due dates for targeted follow-ups.
Use Case 3: Portfolio Overview Through Natural Language Queries
Relationship managers often juggle customers who hold multiple loans, making manual tracking difficult and time-consuming. With Co-pilot, you ask: “Show me all the loans for Customer X.”
Co-pilot displays every loan, balance, and status in seconds. This improves customer service, reveals cross-sell opportunities based on repayment performance, and helps field staff access complete portfolio data on mobile devices.
Use Case 4: Payment Link Generation with Context Awareness
Speed is crucial in collections, especially when borrowers need payment links quickly. Co-pilot makes this easy. You ask: “Generate a payment link for loan 208403.”
Co-pilot retrieves the outstanding EMI amount from your LMS, generates a RazorPay link with pre-filled details instantly, and supports sending it via SMS or WhatsApp. Borrowers pay without confusion, reducing payment friction and improving collection rates.
Use Case 5: Document Generation for Compliance and Reporting
Loan officers and operations teams spend hours daily creating documents. Manually generating these is slow and prone to errors.
With Co-pilot, you ask: “Generate all required documents for loan 208241.”
Co-pilot instantly produces accurate, compliant documents: agreements with RBI-mandated disclosures, schedules, receipts, and reports. Teams save hours, customer interactions improve, and auditors benefit from consistent formatting and complete trails.
Final Thoughts
Natural language loan queries in loan management software speed up lending operations and elevate your customer experience. Finezza Co-pilot brings natural language loan queries to your LMS through a simple, conversational interface that lets your team ask questions naturally, get instant answers, and complete tasks in seconds.
To see Co-pilot retrieve loan information in under 10 seconds and generate compliant documents instantly, book a demo with our team. Contact us now.
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