Inside Lending Management
Four analysts, one loan file.
Every analyst is built the same way: it reads, it flags, it asks. Nothing is recorded until a person confirms it.
Bank Statement Analyst
Turns months of statements into a verified income report for the loan file: salary, business inflows, obligations, flags.
Explore Statement Analyst
- IN
- 3 to 12 months of statements, PDF or scanned, any local bank
- OUT
- Income report with debt-to-income, attached to the file on confirmation
Borrower Profile Prediction
Before disbursement: the repayment behaviour to expect, an affordability band and suggested terms, with every factor explained.
Explore Borrower Profile
- IN
- Application, income report, repayment history of similar profiles
- OUT
- Profile, factors, suggested instalment date and tenor; officer decides
Finance Risk Analyst
Concentration, counterparty and early-warning analysis across the book, written up as a memo with every number traced to its source.
Explore Risk Analyst
- IN
- Loan book, collateral register, exposure and arrears exports
- OUT
- Risk memo, watchlist, concentration views for committee
Repayment Pattern Analyst
Reads instalment histories to find who pays early, who slips, and the drift that precedes arrears, so collections act early.
Explore Repayment Patterns
- IN
- Repayment ledger, schedules, contact outcomes
- OUT
- Behaviour segments, drift alerts, a prioritised collections queue
The credit lifecycle
Where each analyst steps in.
VERIFY
Bank Statement Analyst
Months of statements become a verified income report for the loan file.
DECIDE
Borrower Profile Prediction
The repayment behaviour to expect and suggested terms, with every factor explained.
MONITOR
Repayment Pattern Analyst
Who pays early, who slips, and the drift that precedes arrears.
MANAGE RISK
Finance Risk Analyst
Concentration and early-warning analysis across the book, written up as a memo.
Who decides