UNCIA LOAN
ORIGINATION SYSTEM
Uncia Loan Origination System (LOS) is a workflow-led, Low-Code, No-Code platform that brings together deep industry knowledge with agile solution building, minus the need to write volumes of code. Powered by the three pillars mentioned below, the platform helps multiple users in a financial institution work together to quickly onboard quality customers.
Workflow-led
framework
Our Loan Origination System powers journeys for all user roles that work towards onboarding customers. Be it Sales, Credit, Credit Operations, RCU/FCU, our workflow-led framework allows quick configuration of such user journeys. Moreover, they may be ordered in sequence or in parallel, as per the laid down policies of the lending institution.
Interface-first
journeys
For any third-party API that can achieve a task digitally, we already have 100+ APIs with Marketplaces, FinTech’s and account aggregators. From at-source data to OCR of KYC documents, through to bank statement / financial / GST analysis, eSign and eMandate, we've got you covered. We have the flexibility to integrate with the vendor of choice of the financial institution.
Underwriting powered by
Business Rule Engine
Our Business Rule Engine efficiently processes assessment methods of varying complexity. By integrating data from multiple sources, it empowers financial institutions to streamline loan approvals, either by waiving certain stages, granting instant approvals, or escalating to higher delegation levels. The system also detects customer risks and automatically assigns the loan application to senior credit managers for approval, ensuring efficient handling of deviations.
