What makes the perfect Loan Decisioning and Management System?

Introducing, Finezza, an end-to-end, platform agnostic, lending management solution that eases financial analysis and decision support for any new-age, growth-oriented lending organisation.

Finezza is the perfect Loan Decisioning & Lending Management Systema perfect Perfios Alternative.

 

How is Finezza the perfect alternative to other loan origination and management solutions like Perfios?

Lending Lifecycle Management

Finezza offers an integrated solution that works at all stages of the loan management and decisioning 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, 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 and is the ideal alternative to your existing systems or other similar offerings on the market.

Bank Statement Analysis Algorithm

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.

Credit Bureau Data Analysis Algorithm

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.

Loan Eligibility Estimator

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.

Finezza’s Analytics Suite – The Perfect Perfios Alternative

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.

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.

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 ➡

Mumbai

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

Bengaluru

Beyond Epic Co-working Space,
HM Vibha Towers,
4th Floor, Above Chroma store,
Next to Forum Mall,
Adugodi, Koramangala,
Bangalore - 560029

Pune

Rachana Park, 3rd Floor,
Atreya Society,
Off. Senapati Bapat Marg,
Wadarvadi, Pune,
Maharashtra 411016

contactus@finezza.in