Intellect Design Arena

Intellect Lending

 Intellect Lending is a single loan management system that supports all the financial facilities for the bank for many market segments, from Retail to Corporate. The most flexible and comprehensive loan management system covering all business products of the bank including Mortgages, Auto Loans, Commercial lending & Leasing solution.

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Our offering

A holistic Loan Lifecycle Management System for all financial facilities

Intellect Lending enables banks to process various loans with multiple options and provides rich functionalities at each and every stage of the loan lifecycle. The Intellect solution is a single solution that supports various business lines across Retail, Corporate and SME segments.

With richness in the product parameterization flexibility, efforts to introduce new products in the market is negligible due to large no of ready-to-use product templates, interest and fee components

With this inclusive list of few offering, banks can innovate and explore new product offerings to create a niche in the market.

Retail Segment

• Mortgage Solutions, Auto Loans, Unsecured Personal Loans, Educational Loans, Loans against Deposits, White Goods Loans, Precious Metal Loans, Loan against Securities

SME Segment

• Working Capital Funding, Dealer Finance for Fleet of Vehicles, Invoice Discounting, Equipment Finance

Corporate Segment

• Long Term loans, Syndication solution, Leasing Solutions, Revolving Credit, Commercial Vehicles Finance

Intellect Lending is a total loan lifecycle management system that administers all aspects of lending – Repayments, Accounting, Rescheduling, Top up, Delinquency management, Due creation and Accrual with established interfaces connecting with any core banking system, payment gateways and external GL systems.

Differentiators

• Embedded with solutions like Collateral management for asset lifecycle, Credit Limit management. Syndication of loans, Securitization of debts and Leasing processes.
• Parameterizable Product Creation ensure more creative, competitive and customized offering to the customers
• Flexible amortization schedule based on customer cash flow that supports stepped up or   stepped down patterns, Bullet or Ballooning of repayments, Varied frequencies of Principal & Interest, Moratoriums, etc. 
• Flexibility in restructuring and repayment of Loans any time during the loan lifecycle
• Supports Multi currency product management and Cross currency transactions
• Hybrid interest rates for complete pricing flexibility, with base rate and margin management at various levels and Auto reschedule process for interest rate changes
• Automated delinquency management process with NPL provisioning, Stop accrual and Watch installment functions

Scalability

From the scalability perspective, Intellect Lending was successfully tested with Oracle Labs for benchmarking with 15 million loans with over 5000 concurrent users.