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EbixCash Lending Solutions

The Lending Solution Stack – Retail and Corporate/ MSME Originations, Loan Management, Dealer Funding and Debt Collections from EbixCash Financial Technologies has been built to meet the challenges of the lending industry. It improves efficiency, accuracy, compliance, and visibility into your loan approval and management process. Domain and technical expertise spanning more than 27 years, gained through working with close to 150 leading clients across multiple geographies, and delivering successful implementations to satisfied customers have created a niche for our solutions.

Our Value Propositions : Higher Return on Investment, Scalable and Integral Solutions, Reduced TAT and Time to Market, Optimized User Teams delivering higher throughput and importantly Predictable Costs.

EbixCash Origination System (EOS) for Retail Loans

EbixCash Origination System (EOS) for Retail Loans is designed to seamlessly process loan applications for banks and financial institutions with the ability to automate a range of origination processes through workflow activities. The system provides extensive configuration and operational efficiency which enable organizations to efficiently manage the high-volume retail lending business across multiple portfolios and products to acquire profitable customers using multiple channels including digital channels. It allows business users to configure Products, Workflow (both Traditional and STP), Credit and Risk Policies, E-KYC checks and Customer Communication Templates for evaluating and processing loan applications while maintaining high service levels of borrowers. The system supports Self-Assisted models for customer acquisition.

The Application Process spans from Lead Capture, Submitting of the Loan Application to the Request for Disbursement. Apart from the main process, many supporting pre-underwriting checks and activities can be performed to support the loan processing. The SOA-based architecture allows for APIs-based integration with other systems. The solution is internationalized to support different currency, date formats and multi-lingual implementations. The Application supports both centralized and de-centralized processing of loan applications across the geographical spread of the Organization.

EbixCash Lending Origination System - retail

Advanced Analytics
Multi Channel Interfacing
Digital Application Processing
Scooping Engine
Open Architecture
Risk Engine
User Configurable Workflows
Business Reporting
Mobility
Cloud Ready
Internationalized

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EbixCash Lending Origination – Corporate

EbixCash Lending Origination – Corporate is a specialized Commercial Lending Origination software solution that helps evaluate and underwrite proposals for MSME and Corporate customers for Funded and Non-Funded facilities. The corporate lending software system covers all facets of commercial lending and has assessment and appraisal capability for both new loans and review of existing customer facilities.

A library of Pre-underwriting checks is available within the software to ensure no data silos, agility, flexibility and better risk management. Having a highly configurable financial analytics engine, the system enables businesses to collate financial data and calculate risk ratings and financial ratios. Other functional components supported by this module include Document Receipt and Verification, different Verifications and Valuations, Collaterals, Covenants, Assessment of Limits, Sensitivity computations and Committee based approvals.

Lending Origination Corporate

Key Product Highlights

Usability
Modern and responsive UI with Smart search, filter and sort options
Implementation
Single implementation to support Multi-portfolios and Multi-Products across Retail and SME businesses with functional rich screens
Localization
Single implementation to support Multi-portfolios and Multi-Products across Retail and SME businesses with functional rich screens
Flexible
Extensive parameterization for user configuration of Workflow, Credit and Risk rules, Fraud and De-Dupe Loan Products with multiple Interest and Instalment variations
Scalable & Secure
Ability to scale horizontally as well as vertically, to support growing business volume, with the appropriate underlying hardware and security (OSWAP standards).
Accessible, Robust, Modular
Multi browser-based application on J2EE Architecture, available over WAN, LAN, internet and extensive set of APIs for online integration
User Access
Comprehensive security and role-based access control for Menus, Links and Functions
Control
Detailed Activity and Audit Trail
User Interface
User Defined Fields (UDFs) to add fields on screens and facilities to use them for decision rules and workflow
Reporting Capability
Industry-standard canned reports and dashboards with the option to integrate with other reporting tools like Tableau
Mobile App & Customer Portal
Tightly integrated to empower customers and sourcing channels

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EbixCash Loan Management System (LMS)

EbixCash Loan Management System (LMS) is designed to seamlessly record all loan and financial lease post disbursement transactions through the entire life-cycle of the loan term, including multiple Accounts and Customer servicing options. An illustrative list of those include set-up of different repayment options for each loan, an option to change the same, generating and receiving electronic files for the realization of collections from the customer, booking fees charges, waivers of the same, simulations for pre-payment of loans, restructuring loans, rescheduling, settlement marking, changing loan products of the loans, collateral management etc.

For customer servicing, we support changing the demographic details of the customer including employment, banking relationships amongst other relevant details. A 360-degree view of customer relationships is also available as a standard. An option to collect monies at the customer level and apportion to individual loan accounts is also supported.

Besides, the Loan Servicing module also manages aspects of Loan Provisioning and Write Off Management. For all financial transactions, the system generates accounting entries, including accrual for rental income and re-scheduling of accounts in case of interest rate changes for Index-linked loans.

For collections from customers and depositions into the Bank, a batch processing engine generates files (both electronic and physical). The bank reconciliation functionality allows reconciling all Bank depositions and payments with the Bank Statements.

Key Product Highlights

Usability
Modern and responsive UI with Smart search, filter and sort options
Implementation
Single implementation to support Multi-portfolios and Multi-product (Term Loans, Drop Line OD and Bill Discounting) across Retail and SME businesses with functional rich screens
Localization
Multi-lingual capability and internationalization for Currency and Date formats
Flexible
Single solution to manage the complete cradle to grave servicing requirements for Loans, Leasing, Overdrafts and Bill Discounting
Scalable & Secure
Ability to scale horizontally as well as vertically, to support growing business volume, with the appropriate underlying hardware and security (OSWAP standards)
Customer-Centric
360 degree view of the customer exposure across all loans including options to collect customer-level payments
In-Built
Batch processing tool which automatically generates tasks like instrument deposition, income recognition and re-scheduling index-linked loans. A General Ledger module supporting multiple books of accounts, value dated postings, IFRS compliances and INDAS
Accessible, Robust, Modular
Multi-browser based application on J2EE Architecture, available over WAN, LAN, internet and extensive set of APIs for online integration
User Access
Comprehensive security and role-based access control for Menus, Links and Functions
Control
Detailed Activity and Audit Trail
Reporting Capability
Industry-standard canned reports and dashboards with the option to integrate with other reporting tools like Tableau
Mobile App & Customer Portal
Tightly integrated to empower customers

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EbixCash Dealer Funding

EbixCash Dealer Funding offers financial companies a robust system to manage the dealer funding/ floor financing requirements for revolving loans starting from limit setup, digital upload of invoices, tranche drawdowns and repayments. It allows the finance company to maintain and monitor dealer borrowings at an inventory/facility level. The configurable engine allows the institution to offer different interest rates, credit-free periods, digital payment integration and credit line end days to the dealers depending on the relationship. The stock audit module facilitates regular audits at the dealer premises and action on the dealer depending on the audit findings.

Dealer Funding

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EbixCash Debt Collections

EbixCash Debt Collections is a feature-rich internationalized multi-user software product that emphasizes speed and flexibility, in tracking and recovering over-due amounts towards billed services, loan instalments, or utility services. Being a completely parameterizable solution, users can segment delinquent accounts and configure different collection strategies to tackle different delinquency types. The solution can be used to manage the complete follow-up of cases in early collections, late collections, or legal collections within the ambit of the legal framework or organizational credit and recovery processes. The system can be seamlessly integrated with credit card billing systems, loan servicing systems, telephone billing systems and other financial transaction systems for the purpose of obtaining information on delinquent/overdue accounts and facilitating higher recovery rates and contact penetration by providing accurate information to collectors about both early and late non-performing loans. Both external and internal users can be set up and assigned tasks with supervisors controlling and monitoring performance at a case-to-case level and using dashboards. In addition, the system supports off-line working and PDA-based collections, which ensures that field collection staff can be connected even on the field or at remote locations.

EbixCash Debt Collections

Key Product Highlights

Usability
Modern and responsive UI with Smart search, filters and sort options
Implementation
Single implementation to support Multi-portfolios and Multi-Product (Mortgages, Auto Loans, Credit Cards, etc.) across Retail and SME businesses with functional rich screens.
Localization
Multi-lingual capability and internationalization for Currency and Date formats
Flexible
Single solution to manage the complete life cycle of delinquency – Early, Field, Late and Legal Collections with the option to optimize the Collections Strategy based on different Customer Segments.
Scalable & Secure
Ability to scale horizontally as well as vertically, to support growing business volume, with the appropriate underlying hardware and security (OSWAP standards).
Customer-Centric
360` view of the customer exposure across all loans including options to perform customer-level dunning.
Supervision
Extensive summary views and dashboards to understand portfolio trends.
Audit Trails
Retained for Customer, Account, Follow-Up and Legal Workflows
In-Built
Batch processing tool which automatically generates customer dunning, allocations, escalations
Accessible, Robust, Modular
Multi browser-based application on J2EE Architecture, available over WAN, LAN, internet and extensive set of APIs for online integration
User Access
Comprehensive security and role-based access control for Menus, Links and Functions
Control
Detailed Activity and Audit Trail
Reporting Capability
Industry-standard canned reports and dashboards with the option to integrate with other reporting tools like Tableau
Mobile App
Tightly integrated to empower field collectors.

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EbixCash Telecom Solutions

Our Telecom Solutions are designed to help you take complete control of credit limit management and optimize revenue collection operations. The products are fully internationalized, secure, scalable and can be deployed with a seamless interface with any billing system.

EbixCash CMRC (Credit Management and Revenue Collections)

The EbixCash CMRC (Credit Management and Revenue Collections) solution is a proven scalable product which can handle big volumes and deliver great business value in areas of revenue assurance, collections and credit management for the telecom post-paid business. The system helps in higher collection rates by providing accurate information to collectors about overdue customers and it also seamlessly integrates with billing solutions which helps to track and manage the credit limits of customers.

Credit Management and Revenue Collections

User definable collections strategies and work flows
Dunning using Multiple Channels – Reminder Letters, SMS alerts and E-Mails
Use of Dynamic Query builders to configure movement and re-allocation rules
Support for extensive Supervision, Rule based Escalations and Comprehensive MIS
Auxiliary Modules – Write-Offs & Waivers, Commissions & Incentives
Auto unbarring on receipt of payment
Automated suggestion for limit changes
Upward and downward revision of credit limit based on pre-defined rule based criteria
Revision supported at Account level and Subscriber level
Manual revision and Automatic revision
Formula based approach for credit limit revision

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EbixCash C & I

EbixCash Commission and Incentives System (C and I) is a feature-rich standalone product which facilitates automated commission and incentive calculation for external agencies and internal entities within the business. The solution supports end to end commission and incentive calculation for multiple entities and also supports relevant tax deductions and compliance. The EbixCash C and I is a ready fit for the high volume Banking, Telecom and Insurance industries as it helps clients define and associate different plans for sales channels, agencies, collectors based on the region, segment, portfolio and many other parameters.

EbixCash C & I

Supports one time or recurring incentives commission with claw back
Supports target based commissions and target setup
Supports multiple incentive calculation plans
Ability to define multiple entities’ association of appropriate plans and schemes
Ability to verify and correct schemes calculations.
Facility to make Manual and Bulk adjustment at Agency level
Supports resolution of disputed payments
Supports payments with maker-checker facility and tax related calculations

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i-CAS ( EbixCash Credit Actions System)

iCAS (EbixCash Credit Actions System) is a web based solution designed to help telcos acquire customers by automating the customer evaluation process. The system provides interfacing capability with any core system and provides features like de-dupe, scoring and validations which improve business efficiency, accuracy and compliance for application processing. The build in risk engine helps maintain consistent policies compliance while application processing.

A highly parameterized solution iCAS provides multi-location, multi-lingual, multi-product deployment capability with high level of automation and speed in processing applications.

EbixCash Credit Action System

Supports application processing for individual as well as corporate customers
Flexible rule engine to provide end user configuration of risk policies
Rule based credit evaluation to provide internal validations, scoring and de-dup check
Transaction level view for troubleshooting, administration or audits
Levels of recommendation available for approvals
Apply Segment wise scoring across user configurable Decision keys
Apply Segment wise application recommendation to various user authorities
Implement consistent, auditable policies
Continuously refine scorecards across multiple versions
Match new applications against multiple databases
Configure de-dup rules based on combination of multiple parameters
Score applications, accounts or customers to manage better.

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EbixCash Building

191

Offices in multiple countries

Singapore, London, Canada, US, Philippines, Indonesia, Dubai and India

10,500+

Employees

21+ Years

in Business
Contact Us
Ebixcash
Suraksha Ace, 34/3, Andheri Kurla Road Chakala, JB Nagar, Andheri (East)
Mumbai 400 059, India

Tel: +91-22-68331464 (Sales & Marketing)
Tel: +91-22-68331600 (Board, Admin & HR)
Email: info@milessoft.com

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