Originations

The miFIN Loan Origination System (LOS) is a comprehensive end-to-end platform that streamlines the seven key stages of loan origination for both secured and unsecured loans across retail and SME segments. From prequalification to loan funding, miFIN LOS ensures seamless automation, reducing manual intervention, processing time, and risk. Equipped with intelligent decision support, configurable workflows, and pre-integrated APIs, it enables lenders to accelerate approvals, enhance credit assessments, and improve borrower experiences. With automated verification, scoring, and underwriting capabilities, miFIN LOS simplifies complex processes, making it a scalable, efficient, and compliant solution for financial institutions.

Business Benefits

Customizable Loan & Sanction Workflows

Tailor loan processing, sanction approvals,
and exception handling with flexible workflow
configurations.

Advanced Verification & Valuation

Configurable modules for diverse verification and valuation needs, ensuring precision in loan processing.

Seamless API Integrations

Pre-integrated with 75+ service providers, including credit bureaus, utility bill checks, financial verifications, E-NACH, E-sign, and bank integrations.

Dynamic Business Rule Engine

Set up customized rules for application scoring, credit sanctioning, and risk assessment to enhance decision-making.

Automated Decision Support

Automates deduplication, scorecard analysis, eligibility checks, ratio assessments, and income evaluations for accurate credit decisions.

Why miFIN™ Originations?

Automated Loan Recommendations

AI-driven suggestions for straightforward applications, reducing manual intervention.

Flexible Query Management

Handles queries at any loan processing stage without disruption.

Advanced Risk Mitigation

Business Rule Engine (BRE) enhances fraud detection and compliance.

Comprehensive Credit Assessments

Powerful analytics for accurate borrower evaluation and risk profiling.

Highlights

Workflow and Worklist based platform – define separate workflows for separate products

Supports multiple product categories – Retail as well SME

Support multiple product variants – equated, tranche based, Bullet Payments, Interest Servicing, Structured, with/without moratorium

Supports multiple Cycle Dates

Comprehensive and Flexible
Charges module with GST handling capability

Define and track process and policy exceptions through authority based deviation management

Multi level Sanction with underwriting matrix

Handles Multiparty ,Multiple Disbursals and Loan Cancellations

See how Qualtech drives digital transformation,
making you future-ready.

Our Clients