Ensure a Superlative

Credit Experience for

your SME Customers

High Impact Credit CURATE

Solutions built on Integrated credit ELIMINATE
experiences Inefficiencies in the
Composable credit lifecycle

Technologies TARGET
New customer LAUNCH
segments Innovative credit
products
 iKredit360
SME Marketplace
Comprehensive - Collaborative -
Marketplace based SME Lending solution
iKredit360 SME Marketplace is Africa's first end-to-end digital SME
credit management platform which helps you launch your SME
business in just 50 days. The solution comes with a set of
comprehensive capabilities that you need to provide your SME
customers with a segment- specific credit product portfolio, a
superlative credit experience across all channels and an accelerated
access to credit with loan disbursements in minutes instead of months.

The solution also helps you transform your SME lending business
by enhancing their ability to match the pace of demand acceleration
in SME loans through making faster and more informed credit
decisions, reducing operational costs, ensuring comprehensive and
proactive risk management and collaborating with multiple fintechs
and partners to originate loans from multiple channels.

www.igcb.com iKredit360 SME Marketplace | 1

 Provide a superlative credit experience to
your SME customers with iKredit360 SME
Marketplace. Match the accelerated pace
of demand in SME loans.

1
Grow your SME business
exponentially with minimal
impact on operational costs

2
Aggregate data digitally and
instantly for faster credit
decisioning ensuring “application
to sanction” in minutes

3 Manage end-to-end loan

life cycle with enhanced
flexibility

4
Collaborate with Aggregators/
Fintechs and other business
partners to bring in customers
from various micro markets.

5 Assess risks at real time

and proactively modify

6
review mechanism.

Launch your SME Lending

Business in 50 Days!

www.igcb.com iKredit360 SME Marketplace| 2

 Curate Unique Credit
Experiences For SMEs
Launch differentiated products and
deliver them on any channel with digital
journeys that are paperless, personalized,
and comprehensive.
Over 50 Ready-to-use out of box Configurable
Product Templates.

1
Quick go to market by driving origination on multiple
channels –customer self-service/aggregator/RM

Integrated platform with Loan servicing and management,

Limits monitoring and debt management modules.

Real Time 360-degree view of Customer Accounts

enabling Up/Cross-sell via integrations

www.igcb.com iKredit360 SME Marketplace | 3

 Drive ‘Application to
Sanction’ in Minutes!
Enable Customers to self-initiate
Loan applications and receive credit
decisions in minutes

Aggregate information from a wide range of structured and

unstructured database through APIs with minimal human intervention.

Over 50 API service calls to fetch, authenticate and analyse data

2
Configurable Rule Engine to automate eligibility computation,
generate offers and provide sanctions instantaneously

Eliminate customer drop outs by seamlessly

integrated Relationship Manager Assisted workflows.

www.igcb.com iKredit360 SME Marketplace | 4

 Accelerate Your
Business Growth
While Ensuring Cost
Optimization…
Collaborate with Aggregators/Fintechs and
other business partners to bring in customers
from various micro markets.
Omni-channel digital credit on-boarding to grow your business without
corresponding increase in physical and technological infrastructure

3
Leverage API-based onboarding to scale up volumes
with zero touch processing

Digitize end-to-end SME credit management to rise above

the constraints of business hours, availability of RMs and
service staff, and productivity challenges

‘Try-Test-Grow’ with Zero capex commercial model

to enable ‘pay as you go’

www.igcb.com iKredit360 SME Marketplace | 5

 … and Managing
Risks Proactively
AI-powered portfolio monitoring to
assess risks at real time
Leveraging Intellect Sherlock, an AI enabled portfolio monitoring

4
engine, to scan the external environment for events impacting your
portfolio and generate early warning alerts

Monitor exposure across multiple-parameters such as customer,

group, currency, segment, collateral type at real-time

Analyse various internal and external data patterns,

transactions, and repayments to compute probability of
default and take timely remedial action

www.igcb.com iKredit360 iKredit360

SME Marketplace
Cards ||6
6
 KEY FEATURES
Future Proof Customer
Technology 360* view
API First Design & Real Time 360 degree view of
Micro-service Architecture, Customer Accounts enabling
Cloud Native, DB Agnostic Up/Cross-sell via integrations

User First design DIY Business Rules

Contextual screens & Configurable business rule
personalized data engine for automated credit
summarization for quick decision, Credit Scoring, Policy
reference and easy Decision Checks, DBR

Hyper Configurable
Personalization Workflow
Dashboard widgets, Color User-friendly & highly
Theme, Field selection in configurable JBPM
MyTray etc. as per workflow designer, SLA &
Individual Choice TAT Summary

On the Fly Workflow Digital Agency

Ad-hoc Review & Approvals, Mobility driven real time
without deviating from Field Verification &
application workflow, via a Valuation
parallel workflow.

Multi Tenant/Lingual Seamless integrations

Market Ready for Multi Nationals Low code Framework - Integration Layer
banks for Multi-Country Rollout for rapid API life cycle management.
Multi-lingual (e.g. English / Open API standards, support for 100+
Vietnamese) support endpoints; 200+ ready APIs

Alerts & Notifications Consultative Query

Event driven alerts and Quicker Exception handling, capturing
notification to send customer informal discussion, better consensus
and internal communications and reduced TAT
through E-mail, SMS.

www.igcb.com iKredit360 SME Marketplace | 7

 ALL-IN-ONE LENDING PLATFORM
FOR COMPREHENSIVE DIGITAL CREDIT
TRANSFORMATION

ENHANCE CUSTOMER EXPERIENCE WITH

A. SMARTER AND FASTER ORIGINATION

Omni-channel
Origination API-Based Origination
• Customer Initiated/ RM • Collaborate with Fintechs
Assisted journeys • Scale-up volumes with zero
• Drop-in drop-off alternating
touch processing
across channels

Digital Data
Aggregation Auto Adjudication
• Interface led data • Integrate and fetch risk
aggregation scores from existing risk models
• Structured and • Automated scoring, deviations,
unstructured data sources affordability computation
• Real-time Decision Support for
assisted underwriting

Document Auditable
Management Conversations
• End-to-end document life • Ad-hoc deviation &
cycle management exception approvals
• Customized template • Consultative decision making
generation • Single source of referral and
• Zero touch Documentation decision trails
enabled by digital signatures

www.igcb.com iKredit360 SME Marketplace | 8

 REDUCE TIME TO MARKET WITH A
B. COMPREHENSIVE AND FLEXIBLE LOAN
MANAGEMENT SYSTEM

Loan Restructuring
Loan Servicing & Modifications
• Multiple repayment modes, • Changes in Installment amount or dates
including self-service capability • Extensions or reductions
• Borrower level statement/ to tenure
payment consolidation • Installment deferral
• Auto adjustment • Auto reschedule for changes in interest
priority rules and partial prepayment
• Index led re-pricing

Exhaustive Loan Superior Flexibility

Parameters in Amortization
• Exhaustive loan parameters • Custom cash flow schedules
across life-cycle events • Aligned with borrower income cycles
• Segment/ Borrower specific • Structured/ Unstructured payment
pricing controls patterns

Powerful Product
Configuration Engine
• Ready-to-use out of box
Product Templates
• Reuse templates for faster
GTM in hours

www.igcb.com iKredit360 SME Marketplace | 9

 REDUCE RISK WITH MULTI-DIMENSIONAL
C. EXPOSURE MANAGEMENT

Enterprise Multi-Dimensional
Limit Monitoring Exposure View
1 • Centralized real-time • Exposure capping across 2
monitoring across varied multiple dimensions
lines of business • Industry, Currency ,
• Organization hierarchy Branch, Counterparty,
with shared exposures Country, Product type
• Individual & Group limits • Counter party or Risk
• Secured & Unsecured limits party exposure – Dealers,
• Revolving or Fixed credit Manufacturers, Supply
• Drawing power adjustment Chain vendors
etc.

Multi-Dimensional Real-time
Exposure View Margining Tracking
3 • Single view of borrower’s • Collateral drawing limited
4
exposure across multiple to a specific entity or
levels shared across entities
• Real-time Exposure • Collateral sizing and
tracking at group level pooling
• Multiple entities, Divisions • Automated/ Batch based
and their utilized & re-evaluation for real time
unutilized facilities coverage
• Security coverage • Lifecycle alerts for
adequacy across Documentation, Insurance
hierarchy and Assignments

www.igcb.com iKredit360 SME Marketplace | 10

 We have been Un-complicating
Retail and Central Banking for
the last 35 years
Across 57 countries
and 270+ clients...

A Design thinking A single minded focus

approach in everything on finance since last
we do 35 years

... Through

An innovation An Agile methodology

partnership approach for all our implementations

igcb-intellect

www.igcb.com
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