LENDperfect

LENDperfect is a lending solution designed to automate and streamline the loan origination and loan management process for financial institutions. It offers end-to-end loan processing, from lead generation to final loan sanction, and provides features for loan origination, loan management, NPA and credit monitoring, and mobile and online solutions. LENDperfect is suitable for various lending institutions, including public sector banks, private sector banks, microfinance institutions, co-operative banks, regional rural banks, non-banking financial corporations, and foreign banks. Professionals and industries that may benefit from LENDperfect include banking professionals, loan officers, credit analysts, financial institutions, and microfinance institutions.

Key Features

Loan Origination System: LENDperfect offers a highly configurable business framework with dynamic financial and risk rating modules. It provides seamless workflow and document management, enabling hassle-free e-KYC and credit checks. The system also emphasizes enhanced data security and offers user-friendly online and tab solutions.

Agriculture - LOS: LENDperfect's Agriculture LOS handles multiple schemes and repayment options. It integrates with third-party interfaces to auto-update gold rates based on market fluctuations. The system also supports rule-based underwriting, renewal of jewel loans, and provides real-time alerts on gold rate fluctuations.

Retail - LOS: LENDperfect's Retail LOS offers mobility for on-the-go loan applications and provides digital support for a seamless application process. It enables credit checks and comprehensive risk analysis for accurate decision-making. The system also includes a dynamic workflow engine and document management system for easy record-keeping.

Corporate/MSME - LOS: LENDperfect's Corporate/MSME LOS offers mobility for on-the-go loan applications and supports the MUDRA loan scheme. It provides assessment and underwriting based on pre-defined parameters, group proposal management, risk analysis, financial analysis, and fraud checks. The system also includes a dynamic workflow system for efficient loan processing.

Shishu Mudra Loan Automation: LENDperfect's Shishu Mudra Loan Automation provides a fully digitized and remote loan application process. It includes video-KYC based loan journeys and seamless integration with LENDperfect for swift processing.

Loan Management System: LENDperfect's Loan Management System is an automated end-to-end solution that provides real-time data availability as per RBI compliant formats. It offers personalized loan workflows, generates various reports, and provides powerful reporting and analytics using integrated systems such as Microsoft PowerBI and IBM Cognos. The system also enables efficient allocation and re-allocation of loans to collection agents and sends early warning signals on payment dues.

NPA and Credit Monitoring: LENDperfect's NPA and Credit Monitoring feature creates status notes on NPA accounts and assists in initiating legal action for recovering NPAs with SARFAESI Act. It allows for personalized business rules and monitoring of accounts based on pre-defined parameters. The system also generates OTS scorecards automatically and tracks expenses incurred during legal actions.

Mobile and Tab Solutions: LENDperfect's Mobile and Tab Solutions offer geo-tagging and geo-fencing facilities, on-spot verification, instant application creation, platform independence, and chatbot support.

Online Solution: LENDperfect's Online Solution provides a quick application process, loan tracking functionality, chatbot support for customer inquiries, and a progressive web application for easy access.