Nucleus

Lending
Analytics

Lending with Analytics and Artificial Intelligence:

Profitable, Smart, Customer Oriented

As products and services become more

commoditized, customers are looking for
personalized experiences. Lenders want to
not only extend their reach to new customer
segments but also grow their relationship with
existing customers.
As digital offerings, automated services and multi-channel capabilities become a norm in
lending, banks and other financial institutions need to invest in new technologies, particularly
in the area of analytics and Artificial Intelligence (AI). With cutting edge capabilities of machine
learning and text mining, Nucleus Lending Analytics is a powerful solution that enables
informed decision-making through accurate predictions and easy-to-build decision models.
The solution’s AI powered capabilities such as Natural Language Processing (NLP) based text
analysis and neural networks, can help financial institutions gauge customer sentiment using
the information to offer tailored products.

Nucleus Lending Analytics delivers insights from qualitative and unstructured data sourced
from multiple channels such as social media and customer surveys to identify the right set of
customers. It addresses key business drivers including higher growth by targeting the right
customers with customized offerings, increased profitability by reducing costs and customer
churn, enhanced quality of portfolio by strategic decisioning throughout the loan lifecycle.
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NUCLEUS LENDING ANALYTICS - LENDING WITH ANALYTICS AND ARTIFICIAL INTELLIGENCE: PROFITABLE, SMART, CUSTOMER ORIENTED 02

ABOUT NUCLEUS NUCLEUS LENDING

SOFTWARE ANALYTICS INSIGHTS ACROSS THE COMPLETE LOAN LIFECYCLE
Nucleus Software is Nucleus Software’s
the leading provider of Lending Analytics is a COMPREHENSIVE
mission critical lending powerful and user- IMPROVED LOAN SERVICING
and transaction banking friendly solution enabling LEAD GENERATION Cross-sell/Up-sell products and
products to the global informed decision making Reach the right customers at retain profitable customers
financial services industry. through data visualization a lower cost with accurate through improved insights into
With three decades of and business insight customer segmentation customer behavior
expertise and experience, generation. The solution
today, it powers the focuses on the four
operations of more than key tenets of efficient
150 companies in 50 end-to-end loan lifecycle
countries, supporting management :
retail banking,
corporate banking, cash • Improved Lead FASTER ENHANCED DELINQUENCY
management, internet Generation ONBOARDING MANAGEMENT
banking, automotive Reduce loan origination time Develop optimal and personalized
finance and other • Faster On-boarding and make faster credit decisions collection strategies with
business areas through automated credit scoring behavioral scorecards and
• Comprehensive Loan pre-delinquency management
Servicing
AWARDS
• Efficient Delinquency
Best Lending Technology Management
Implementation Award
2018
FINNONE NEO 3-IN-1 PLATFORM FOR FASTER,
FinnOne Neo is the BETTER, EASY DECISIONS ILLUSTRATIVE USE CASES
SPFC, India
next-generation lending
Celent Model Bank Award solution built on an Nucleus Lending Analytics seamlessly • Identify the best channel for lead
2016 advanced technology
integrates data from multiple host sourcing
platform, designed to
Celent Model Bank Vendor
Award
shape the future of lending systems and provides business users • Reach out to the right customers
across Retail, Corporate
2014 and Islamic sectors for with the capability to perform three • Onboard customers faster
banks and financial
ICICI Bank, India key functions:
2013 service companies. The • Forecast loss & demand
multi-channel solution
Vietnam Prosperity Bank,
which helps digitize the • Build Models Quickly • Offer risk based pricing
Vietnam
complete loan lifecycle Predictive modeling capabilities
2010 end to end, supports both • Identify cross/up-sell
HDFC Bank, India cloud and on-premise that help in reducing time-to-market
deployments. The solution opportunities
2009
handles complete loan
by building models quickly using
ICICI Bank, India
lifecycle covering: intuitive wizards and time-saving • Prevent customer churn
IDC Insights Award
Customer Acquisition features. • Manage Pre-delinquencies
2015
DCB Bank, India Loan Management • Deploy Models Seamlessly • Formulate risk based queues &
Asian Banker Technology
Collections
Decision engine, which ensures right case-curing strategy
Implementation Award
ease of model deployment
2014 Lending Analytics
ICICI Bank, India through any 3rd party tools. With KEY FEATURES
Lending Mobility
RBI Trailblazer Award Champion-Challenger strategy,
Enterprise Content
• Predictive Modelling (ML)
2013 Management
more precise models can be
CIMB, Malaysia used for day-to-day decisioning. • Artificial Intelligence (Text
FINNONE NEO DIGITAL
PORTAL
Analytics and Neural Networks
• Monitor Models Automatically
• Web Portal for Loan with hyper optimization)
Automated model monitoring to
Self-Sourcing (eApply) capabilities
ensure that data driven business
• Web Portal for Loan • Simplified data pre-processing,
Servicing (eServe) policies are robust and relevant for
precise lending decisions. exploration and visualization
• Statistical & Expert based
NUCLEUS LENDING ANALYTICS Scorecards
ADVANTAGE
• Model Optimization
• Convenient - Reduces business
• Best-in-class decision trees
users’ dependency on
data-scientists. • Business strategy maps: Build &
deploy prescriptive strategies
• Fast - Allows building and
deployment of models in minutes. • Automated Performance
monitoring
• Specialized - Incorporates 3
decades of lending domain • Model Performance Dashboard
expertise. • Cloud-ready & ease of
Integration

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