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Loan Monitoring and Servicing System Development
  1. case
  2. Loan Monitoring and Servicing System Development

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Loan Monitoring and Servicing System Development

oxagile.com
Financial services

Inefficient Loan Contract Workflows

Acme Bank currently relies on manual processes for managing loan contracts, leading to inefficiencies, increased operational costs, and potential errors. Dispute resolution is slow and relies heavily on manual intervention. Lack of flexibility in workflows hinders adaptation to changing regulations and third-party integrations.

About the Client

A large commercial bank seeking to improve operational efficiency and risk management in its loan servicing processes.

Key Project Goals

  • Automate loan contract workflows to improve efficiency.
  • Reduce operational costs associated with loan servicing.
  • Enable faster and more effective dispute resolution.
  • Ensure compliance with regional legislation and industry regulations.
  • Improve risk management through advanced monitoring.
  • Provide a flexible and adaptable system to accommodate future changes.

System Functionality

  • Automated dispute resolution workflows
  • Flexible workflow configuration
  • Third-party integrations
  • Data collection and reporting
  • Fault tolerance and data recovery
  • Requirements versioning
  • Advanced risk management modules
  • Self-diagnostic system

Technology Stack

Ruby

External System Integrations

  • Various financial data providers
  • Credit reporting agencies
  • Internal banking systems (e.g., core banking platform)

Non-Functional Requirements

  • High availability
  • Scalability to handle increasing loan volumes
  • Data security and compliance
  • Performance and responsiveness
  • Auditability

Expected Business Impact

Implementation of this system is expected to result in significant improvements in operational efficiency, reduced costs, enhanced risk management, and improved customer satisfaction. Automation of workflows will free up staff to focus on higher-value tasks. Faster dispute resolution will lead to quicker financial recoveries and improved customer relationships.

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