Digitize the entire customer journey. Vertical-agnostic framework with visual process orchestration for diverse financial products.
Low-Code Workflow
Visual Process Orchestration
Define and manage end-to-end loan workflows using BPMN-based tools. Transparent, customizable, and code-free.
Overview
Intelligent Loan Origination System (LOS) for NBFCs
Encore Originate is a comprehensive Loan Origination System (LOS) tailored for the unique needs of NBFCs in India. From capturing leads to booking loans, Encore Originate digitizes and streamlines the entire customer onboarding journey.
Designed with flexibility and compliance in mind, it enables your relationship officers (ROs) to capture customer data effortlessly—whether it’s for vehicle loans, education financing, agriculture credit, or MSME funding. With robust automation and open standards, onboard customers faster while ensuring full regulatory compliance.
Salient Features
Powerful Origination Tools
Vertical-Agnostic Framework
Capture tailored data for diverse loan types like Vehicle, Education, Agri, MSME, and more using a flexible configuration.
Visual Process Orchestration
Define and manage end-to-end loan workflows using BPMN-based orchestration that’s both transparent and easy to customize.
Drools Rule Engine
Automate eligibility checks, credit scoring, and decisioning with a powerful rule framework powered by Drools.
Business-Friendly Rules
Empower business teams to manage rules directly via familiar Excel interfaces—no complex coding required.
Integrated Ecosystem
Seamlessly integrate with KYC platforms, Credit Bureaus, Account Aggregators, and Digital Signing services.
Regulatory Compliance
Ensure instant generation of mandatory documentation such as the Key Fact Sheet (KFS) to stay compliant with RBI regulations.
Frequently Asked Questions
Who can use Encore Originate?
Designed for NBFCs of all sizes, catering to retail, MSME, agriculture, and vehicle financing segments.
Can I configure custom forms?
Yes. The flexible attribute framework lets you define custom fields for each loan vertical effortlessly.
Does it integrate with external services?
Absolutely. Built-in connectors are available for KYC, credit bureaus, account aggregators, and digital signing providers.
How are business rules managed?
Rules are defined using Drools and can be managed via Excel, allowing non-technical users to configure logic without coding.
Is it compliant with regulations?
Yes. It supports generation of mandatory compliance documents like Key Fact Sheets (KFS) required by the RBI.
Can it handle policy deviations?
Yes. It features Deviation Matrix Management with configurable workflows to handle exceptions with proper approval hierarchies.
