Digital loan origination for retail and SME segments, from application intake and eKYC or AML checks to scoring, decision engine, documentation, and disbursement hand off to Loan Management System. Help your credit and operations teams approve more good loans in minutes with full audit and compliance.
LOS standard features cover each stage of the origination funnel, from first contact and document upload to risk checks, decision, and onboarding to servicing. The platform is configurable so your bank can implement policy rules without custom coding for each change.
Web and mobile application forms with document upload, consent capture, and application tracking. Support for branch users, call center, and direct online channels in one workflow so the same engine handles all origination.
Integrates with eKYC and document verification providers to capture ID images, selfies, and supporting documents, reducing manual data entry and error.
LOS connects to OCR, face match, liveness, and device fingerprint providers for stronger identity verification. Sanctions and PEP screening can be embedded into the workflow, with clear logs for compliance review.
External bureau and reference checks are captured as structured data. The result feeds directly into scoring and decision rules, avoiding re keying across multiple systems.
Build transparent, data driven decisions by combining traditional scorecards, machine learning models, and policy rules in one decision engine. LOS can run champion or challenger strategies to test new rules safely.
Ingest PDF or CSV bank statements, payroll slips, and other documents, then extract income and cash flow indicators to feed scoring and affordability models.
Support for scorecards, application and behavior scores, cut off thresholds, and overrides with maker checker approval. Models can be versioned and tested without disrupting production.
Centralised rules engine for eligibility, limits, pricing, document requirements, and exception handling. Rules are maintained by authorized users instead of hard coded in the application.
Configure products, tenors, limits, rates, fees, grace periods, and insurance in one catalog. LOS calculates indicative offers and full approval terms based on customer profile and risk appetite.
Mobile survey app for geo tagged visits, photos, notes, and recommendations. Survey outcomes feed into the decision engine so risk and business teams see one combined view.
When a case falls outside standard policy, LOS routes it to the right approval committee with clear reasons, additional data, and decision logging for audit and future model improvements.
LOS produces complete documentation and ensures that approved applications are handed over cleanly to the Loan Management System or core banking for disbursement and servicing.
Generate agreements, addendums, schedules, and disclosure documents based on approved terms. Integrate with PSrE grade e signature providers so customers can sign digitally while maintaining legal admissibility.
All document versions and signature steps are stored with a complete audit trail that compliance and legal teams can review at any time.
Create structured disbursement instructions to core banking or Loan Management System, including repayment schedules and special conditions. LOS supports account or virtual account targets and batch disbursement.
Customers receive notifications for approval, signing, and disbursement, so they always understand where their application stands.
LOS provides funnel analytics, turnaround time tracking, approval rates, and score distribution out of the box. The platform is built API first for integration with core banking, LMS, payment gateways, and identity providers.
Track application volumes, drop off points, approval and rejection reasons, and portfolio vintage. Use these views to refine marketing, risk policies, and operational staffing.
Monitor workload by team, queue lengths, and SLA performance. LOS keeps full user activity logs and decision histories to support internal audit and regulatory reviews.
Standard connectors for eKYC and AML providers, core banking and LMS, payment gateway or virtual account systems, and open banking APIs where available. Single sign on support makes it easier for branch and call center staff to adopt the system.
LOS can run in your data center or in a cloud environment, with the same configuration model and integration layer. Rayterton teams help your IT group design the right topology for performance and resilience.
Implementation approach follows the same pattern as other Rayterton solutions. The focus is a working Loan Origination System environment that already reflects your products, scorecards, and policy rules before you make any commercial commitment.
Share your sample application forms, score variables, and policy rules. The Rayterton team will prepare a prototype LOS environment with your test data and dashboards that your credit, risk, and operations teams can review together.