Retail Lending

Retail Lending is a webbased multilingual solution to automate life cycle of loan provided by Banking and Financial Institution. The �one system-one database� philosophy provides significant advantages including reduced overhead and IT support costs, single look and feel reporting and a single database environment opens up significant efficiency opportunities. Processing the application in the light of specified set of scoring parameters with inbuilt flexibility to change the parameters as and when needed, and provide us the score obtained to facilitate the credit decision.

Features & Benefits:

Better credit quality of asset portfolio

Timely action on collections/recovery processes

Check on likely defaults

Expeditious delivery of credit

Besides it will also provide a single point for housing; the entire information on retail portfolio; enabling faster access of data for various purposes including for cross selling opportunities.

Architecture based on Hub and Spoke Model

Day to Day Management of the normal operations of the account including managing the EMI collection process.

Monitoring of loans through early warning signals

NPA management covering Write Off, Protested etc.

Marketing Initiatives, Capturing customers and evaluating under our score based lending Initiatives

System Requirements:

Operating System	Software	Hardware
Windows 2003 or above Server	Microsoft SQL Server 2005	Application Server cum Web Server XEON Processors 3.2 to 3.8: Min 1 & expandable up to 2 RAM: Min. 4 GB & expandable up to 12 GB RPS: 1 to 2 Hard Drives: 2 Base RACK Channel Enabled, 145 GB Hot Swappable (with optical Ethernet )
	Java /Jboss/WebLogic9.2/ WebSphere	Database Server XEON Processors 3.2 to 3.8: Min 1 & expandable up to 2 RAM: Min. 4 GB & expandable up to 12 GB RPS: 1 to 2 Hard Drives: 2 Base RACK Channel Enabled, 8*146 GB Hot Swappable (with optical Ethernet )
	Anti Virus ; FireWall
	Client - IE-6 or other explorer, JDK