SystemSight Credit

Loan application and customer self service 

Loan lifecycle process starts with an easy 2 step loan application. Simplicity of registration process and attractive web design are key factors in reducing bounce rate and increasing new client registration rates.

Easily customised registration form fields. You can add driver license, student or pensioner card numbers, client interests or any other information to client profile.
Available additional client identity, telephone number and address verification tools to simplify registration process.

Payment rules and fees management

Featured services and additional fees can be configured: reminders, loan administration, helpdesk or other costs.

Different price policies and loan products can be set for different client groups.

Loan periods and amount restrictions can be set for different client groups.

Easy to extend the loan under customised payment rules. Individual loan extension, payment rules and fees can be set for loan or group of clients individually.  

Swift loans & Long term credit systems

SystemSight credit supports both swift loan and long term credit business models. This usable feature helps to create extra risk and bad loans management model.

Clients can check different conditions using Loan and Credit comparison calculator.

Client risk management 

Easy verification* of key borrower data points such as identity documents validation, employment, income level, bank credit and debt information. *

Special client risk evaluation rules can be configured to identify client risk level.

Multiple loan status and reputation based on payment history tracking.

Loan lifecycle & Payment tracking

Track regular and irregular payments (unpaid, late, partial, NSF) and add notes for each payment line). Automatic payment cover using bank payment data import or xml integration.

Loan status (new, rejected, repaid, delayed, bad debt) can be tracked according to different filters: time, client group, loan product, website, marketing campaign etc.

Quick access to payment histories, collateral information, loan modifications, and month-to-date (for current period or any previous period since loan origination), year-to-date, and life-to-date statistics

Commenting capabilities throughout for officer notations, messages, phone logs, and notes

Client loyalty system

Different client loyalty models can be set. Prizes and rewards management. Loan discounts management. Automatic winning rules can be set. Prize delivery tracking and possible integration with logistics software.

Special payment conditions or products can be offered to loyal client group: better terms, higher loans, lower taxes, tax free offers etc.

Reporting & tracking

Each report has 10 to 40 filter criteria for selecting and sorting reports. Once the criteria are selected, the user has the ability to save the parameters in another named report and schedule the report to run automatically at pre-determined intervals and printed or stored in the database for easy viewing. All reports can be saved in Excel format for further manipulation and graphing.

Email & SMS auto reminders

Each loan lifecycle event is supported with automatic SMS and Email reminders. 

Successful registration, reminders about payment terms and processes. All messages are personalised including recipients name, personal loan data and payment condition. Customised messages can be implemented, eg. special birthday, festival greetings.

Massive mailing system can be used for marketing: individual newsletter design support, special proposal generation, mailing efficient tracking statistics ( read, unread, link clicks, newsletter sharing ), new email import, campaign and email group management.  

Document generation tools

Loan lifecycle related documents (contract, invoices, reminders, legal action documents etc.) are generated in pdf format, available to download in client self service front end profile, can be sent my email.

Promises to pay with automatic kept and broken functionality based on cash received. 

Comments or additional documents can be added to loan or client profile.

Workflow management

A good workflow system helps streamline processes and ensures none of the critical steps in the sequence are missed. 

In the loan servicing business, workflow management automates the front-end and back-end tasks, including originations, restructuring, workout, foreclosure, audit control, and bankruptcy. When these tasks are treated independently, they are time-consuming and prone to human error.

Integration with third party systems

SystemSight Credit supports various data imports, provides data export (txt, csv tiles) and web service integration possibilities.

System can be integrated with any type of financial or client risk check systems which is essential to your business. Additionally bank or credit card payment, SMS and email gateways integration is available.

Mobile applications