Product · Lending

Uruti Lending

Lending, end to end. A complete lending platform, from application and credit decisioning to servicing, collections, compliance and reporting.

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What’s included

15 modules. 106 capabilities. One system.

A complete lending platform, from application and credit decisioning to servicing, collections, compliance and reporting.

Origination19 capabilities

Application & origination

7 features

Multi-channel applications (web, mobile, in-branch, API)
Dynamic application forms with conditional logic
Document collection with OCR
Co-borrower and guarantor workflows
Pre-qualification and soft credit checks
Application status tracking and notifications
Save and resume incomplete applications

Credit assessment & decisioning

7 features

Credit bureau integration
Configurable credit scoring models
Rules-based decisioning with overrides
Alternative data (bank statements, utility payments)
Fraud detection and identity verification
Credit risk modelling and pricing optimization
Manual underwriting with approval hierarchies

Product management

5 features

Multi-product support (personal, mortgage, auto and business loans)
Flexible terms, rates, fees and eligibility criteria
Rate sheet management with rate lock
Promotional campaign management
Product bundling and cross-sell

Servicing21 capabilities

Loan servicing

7 features

Payment processing (bank transfer, card, cash)
Payment scheduling and autopay
Principal and interest allocation
Escrow account management
Payment reversals and adjustments
Grace periods and late fees
Partial payments

Account management

7 features

Real-time balances and transaction history
Statement generation and delivery
Loan modification (refinancing, restructuring)
Deferment and forbearance
Charge-off and write-off
Early payoff with prepayment penalty calculation
Account closure

Customer portal

7 features

Self-service account access
Payment management
Document upload and retrieval
Communication preferences
Dispute initiation
Loan calculators
Mobile app with biometric sign-in

Collections7 capabilities

Collections & recovery

7 features

Automated collection workflows and task assignment
Skip tracing and contact management
Payment arrangement tracking
Legal action tracking
Third-party collection agency integration
Recovery and repossession management
Settlement and negotiation tracking

Risk & compliance23 capabilities

Compliance & regulatory

8 features

Regulatory reporting
Fair lending monitoring and analysis
Anti-money laundering (AML) checks
Know Your Customer (KYC) verification
Sanctions screening
Adverse action notices

+2 more

Data privacy compliance
Audit trail and document retention

Risk management

7 features

Portfolio risk analytics and monitoring
Concentration risk analysis
Stress testing and scenario analysis
Early warning indicators
Loss forecasting models
Collateral valuation and monitoring
Insurance tracking and claims

Security & infrastructure

8 features

Multi-factor authentication
End-to-end encryption
Data masking and tokenization
Role- and attribute-based access control
API rate limiting and throttling
Disaster recovery and business continuity

+2 more

High availability and scalability
Cloud-native deployment options

Finance & insight14 capabilities

Financial management

7 features

General ledger integration
Accrual accounting and revenue recognition
Loan loss provisioning
Interest income tracking
Fee income management
Reconciliation tools
Financial reporting and dashboards

Analytics & reporting

7 features

Customizable dashboards and KPI tracking
Portfolio performance analytics
Delinquency and default reporting
Origination funnel analysis
Channel performance tracking
Profitability by product and segment
Predictive analytics for risk and churn

Platform22 capabilities

Integration & APIs

8 features

Core banking integration
Payment gateway connectivity
Credit bureau APIs
Third-party data providers
CRM integration
Document management systems

+2 more

Open banking APIs
Webhooks for real-time events

Workflow & operations

8 features

Configurable business process workflows
Task management and assignment
SLA monitoring and alerting
Exception handling and escalation
Bulk operations
Import and export

+2 more

Role-based access control
Multi-tenant architecture

Communication

6 features

Multi-channel notifications (email, SMS, push, mail)
Templates with personalization
Communication history
Regulatory notice distribution
Customer surveys and feedback
Chatbot and AI assistant integration

The loan lifecycle

From application to closure, in one platform.

How an engagement starts

Conversation. You tell us about the challenge, the people involved and the outcome you need.
Discovery. We clarify stakeholders, objectives, requirements and risks.
Proposal. You receive a clear plan with phases, deliverables and an estimate.

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