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Loan monitoring and early warning software

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ADVANTAGES

Smart customer and account level decisions

Prevent defaults

Decrease of bad debt portfolio by effective pre-collection and early collections treatments.

Boost revenue

Boost average customer profitability by pre-approved loans, event-based personalised offers with geo-tagging, and regular adjustments of credit limits and rates.

Foster loyalty

Increase customer loyalty by providing targeted proposals as a quick reaction to the client’s situation change, through all available channels.

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TYPES OF PRODUCTS

Early warning system for different products

Retail loans

  • Cash loans

  • Credit cards

  • Refinancing

  • POS-loans

  • Mortgages

  • Auto-loans, etc.

Commercial loans

  • SME and entrepreneur financing

  • Investment lending

  • Credit lines

  • Overdraft

  • Leasing

  • Factoring, etc.

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Better results with ABLE Monitoring

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HOW IT WORKS

Single solution for various tasks

You can many goals by applying ABLE Monitoring software in your financial organizations.

Tailored to the needs of banks and microfinance (credit unions, leasing and much more)

Cross-sell and up-sell communications

Target promotions and cross-selling by determining the next product to offer the customer, and the best channel to make the offer. You can cross-sell more effectively, build customer loyalty, and target solicitations to low-risk, profitable customers.

Collections to facilitate cash flow

Accelerates pre-collection and collection treatments on higher-risk customers, while lower-risk customers are given time to self-correct. Increases collections effectiveness, reducing both collections costs and losses while maintaining customer satisfaction.

Credit line management

Identifies the total credit line to be extended to an account or borrower, which improves profits by expanding the buying power of your best customers, while limiting exposure from those that are riskier.

Behaviour based pricing

Targets pricing adjustments based on customer behavior, acting not only to invoke punitive pricing when permitted by your service agreement(s), but also to increase revenues by stimulating increased usage.

Card authorizations

Allows fast real-time decisions on shadow limits for point-of-sale transactions using 360 customer view, which grows revenue and improves customer satisfaction.

Custom decision area

Any other decision area can be configured for event-based loan monitoring and treatment in ABLE Monitoring solution.

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FEATURES

ABLE Monitoring capabilities

Year Established
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Extendable set of positive and negative signals

  • 100+ positive and negative event triggers are weighted and aggregated into indicators for more holistic customer level decisions and actions

  • Early warning indicator examples: default with other lenders, bankruptcy, collateral status, covenant breach

  • Events cover client and related parties, collateral and covenant state, internal transactions and balances, external data sources (bankruptcy, litigation, triggers from credit bureaus) and media

  • Geo-location events based on mobile devices data and transaction location

Automatic and manual event processing

  • Real-time and batch event detection and processing

  • UI for manual decision-making and actions in ‘gray zone’: 360° customer snapshot screen, history of events and actions 

  • Personal tasks and group queues, supervision functionality

  • Role-based access model, pre-configured permissions and roles

Multi Channel interaction with customers

  • SMS, email, push notifications at internet banks and mobile banking apps

  • Internet chats: WhatsApp, Facebook, Telegram, Viber, etc.

  • Two-way communication with a client

  • Flexible scenarios taking into account the last customer events

  • Universal API for integration of partner solutions

Integration with 3rd party data and service providers

  • Integration with credit bureaus, pension and tax authorities/agencies, AML/KYC services and other providers

  • Workflows to process outgoing and incoming messages

  • Caching of external data providers responses for cost optimization

Document management system

  • Configurable OCR for document recognition 

  • Calendar for required documents checks 

  • Tags for saved documents

  • Integration with existing document management system if required

Powerful decision logic and AI models

  • Business user friendly UI for rule configuration

  • AI predictive models hosting for pattern recognition and non-standard behaviour identification

  • Strong testing capabilities, including scenarios and champion-challenger functionality.

Dashboards and analytical reporting

  • Extendable operational and analytical dashboards

  • Real-time information feeding 

  • Web-based OLAP analytical reporting

  • Capability to apply Machine Learning models for pre- and post-processing of reports

Better results with ABLE Monitoring

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OUR CLIENTS

Trusted by banks and fintechs

OUR CLIENTS

Why choose RNDpoint

ABLE Monitoring solution provides business users with extensive loan monitoring capabilities over retail, SME, and corporate portfolios and enables lenders to more profitably manage customer and account relationships.

Speed

<15 min

from application to disbursement

Time to Market

Months

minimal implementation period

Efficiency

x 7

growth of productivity

Flexibility

100%

customisable platform

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