AutoCREDIT Consumer Lending and Leasing provides an end-to-end solution, built on proven, configurable processes, for the management of the entire consumer credit lifecycle. The system provides clients with management and maintenance facilities for leasing and financing products throughout their life cycles. Salient features include a complete credit origination and application processing tool for both asset based and non-asset based financing, detailed risk management analysis via parameterized credit scoring and customer assessment, committee base approval structure, arrears, past due follow up and rearrangements, automatic and at counter payment options through PDC’s / direct debit instructions, daily accrual calculation and transaction posting, loan rescheduling / restructuring and loan loss provisioning with the integrated features of both statutory central bank reporting and MIS reporting required by a bank’s management.

AutoCREDIT Commercial is a centralized credit management system catering to the requirements of commercial lending for any bank. Developed on n-tier architecture, the system offers flexibility through extensive parameterization to develop and introduce new lending products in line with constantly evolving requirements. The bank is able to gain a cost advantage through online real-time processing. Salient features include centralized concept for limit management at different levels, limit interchange ability, collateral management, risk management and exposure monitoring with tracking at the bank, region and industry/sector level. The system provides up to the last minute information about current limits, collaterals and outstanding payments.

AutoRisk provides financial institutions with customer-specific (corporate, SME, consumer) and industry-specific (Textile, construction, cement etc) models to help them assess the creditworthiness of their customer base.