Transform Your Retail Lending – Trusted by Experts
AI-Enabled Solutions for Faster, Smarter Retail Lending
Overview
Aurionpro’s Integro Retail Lending Suite is a comprehensive solution designed with the objective of providing operational, regulatory, decision-making support and effectively manages the loan portfolio. It provides solutions for the asset side of the business in addition to account management, core financial accounting, risk management, document management and customer services. Integro Retail also supports multibranch / location implementations.
Organizations can even select individual modules that are in sync with their existing setup & the same can be deployed.
Explore the Key Modules of Integro Retail – Tailored for Seamless Lending Operations
Customer onboarding
- Omnichannel
- Unified portal
- Lead capture & processing
- Persona-based UIs
- Frictionless journeys
Credit Processing
- Enriched insights
- Automated verification
- Applicant profiling
- Intelligent document processing
- Score aggregation
Loan Fulfilment
- Scorecards
- Obligor Rating
- Facility Rating
- RAROC (Risk-Adjusted Return on Capital)
- Risk Based Pricing
Credit Decisioning
- Financial Analysis
- Peer Comparison
- Sensitivity Analysis
- CF Projections (Cash Flow Projections)
Debt Management
- Early warning system
- Repayment management
- Delinquency management
- Classification of Cases
- Retail self-service portal
GL & Fixed assets
- Accounting year/period creation
- Accounting transactions & reports
- Fixed Assets Transactions & Reports
- Bank Recon Transactions & Reports
Admin Module
- Role-based access control
- UI and widget configurator
- Personalized branding
- Campaign management
- Pre-built, configurable masters
- Configurable business rules
Key Features:
- Comprehensive Loan Lifecycle Management: From origination to closure, manage the entire loan journey efficiently with end-to-end automation, embedded AI capabilities, and seamless workflows.
- Smart Loan Origination: Simplify customer onboarding with streamlined KYC, automated credit scoring, and instant eligibility checks. Our flexible architecture connects smoothly with diverse lead sources— accelerating approvals without compromising compliance.
- Diverse Loan Products: Support a wide array of retail lending products, including personal, auto, mortgage, education, overdraft and consumer durable loans—catering to every customer need.
- Flexible Repayment Structures: Offer customers tailor-made repayment options—EMI, bullet payments, step-up, step-down, and more. Adapt to changing needs with dynamic rescheduling capabilities.
- Advanced Credit Risk Management: Mitigate risks with robust analytics, predictive intelligence, and early warning systems—giving you the insights needed to make data-driven decisions, and supported by effective covenants monitoring.
- Integrated Financial Ecosystem: Seamlessly integrate with core banking, accounting, and external data sources to maintain accuracy and consistency across the board.
- Automated Documentation & Compliance: Track every document from application to disbursement with centralized management. Stay audit-ready with automated compliance checks.
- Multi-Channel Payment Processing: Support diverse payment methods like regularized conventional, and digital wallets—enhancing customer convenience and faster settlements.
- Real-Time Reporting & Analytics: Gain actionable insights with comprehensive dashboards and detailed reports. Monitor portfolio performance and identify growth opportunities instantly.
- Agile Loan Restructuring: Effortlessly adjust repayment schedules, interest rates, or loan tenure to accommodate customer needs— ensuring your operations remain agile, streamlined, process-friendly, and customer-centric.
- Scalable and Customizable: Built to grow with your business, our suite adapts to changing regulations and evolving market dynamics, keeping you ahead of the curve.
Benefits:
- Enabled for Digital Decisioning and based around a Unified Credit Journey – creates a single unified view for all relevant data and outcomes irrespective of how complex the back end systems are. Your Clients and RM’s do not need to go to multiple systems and access points.
- Unified Customer Experience – All relevant information across the loan cycle sits in one place. Reduces data re-entry and to-and-fro on lending conditions to allow a faster time-to-yes and a happier onboarding experience.
- Flexible and configurable forms for minimal (relevant) data needed for credit decisions. Allows rule based calculators to give both eligibility and upsell simulations way ahead of actual credit approvals.
- Differentiated User Journeys – Intuitive Screens allows one to initiate and track all self-service tasks [reschedule, part-payment, top-ups etc.] from a single place
- Flexible and low code / no code allows upkeep and maintenance of programs and other widgets by the end user itself. Allows savings in admin overhead.
- Lightweight deployment allows faster take to market.
- AI/ML and chatbot innovation drive our next-gen vision.