What Does Finezza Offer?

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 facilitates 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.

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.

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.

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 it’s 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 Collection Delinquency Management solution streamlines the process of tracking overdue accounts and managing follow-ups with borrowers.

The system provides financial institutions with real-time visibility into delinquent cases, automates debt collection workflows, and supports prioritised case management.

Integrated alerts, payment tracking, and actionable insights help reduce defaults and improve recovery rates—while reducing operational overhead for collections teams.

Finezza’s Document Identification Framework automates the recognition, categorisation, and extraction of data from a wide range of financial and identity documents.

Using OCR and AI-based parsing, the framework helps lending teams digitise KYC and income verification processes within seconds.

This minimises errors, accelerates verification, and enhances accuracy in early-stage credit evaluation—paving the way for faster, compliant loan origination.

Finezza offers a secure and scalable mobile ecosystem with a suite of APIs designed for seamless integration with existing loan management systems.

These APIs support key functionalities such as digital onboarding, eKYC, borrower communication, service requests, and delinquency alerts. Lenders can create end-to-end mobile lending journeys and deliver frictionless experiences to customers—regardless of geography or device.

Finezza supports seamless integration with the RBI-backed Account Aggregator framework, enabling lenders to access a borrower’s financial data directly from source institutions with user consent. This significantly enhances data accuracy, eliminates the need for screen scraping or manual uploads, and improves underwriting speed.

AA integration makes Finezza’s ecosystem future-ready by aligning with India’s growing digital public infrastructure for consent-based data sharing.