LOS/LMS | Loan Origination & Management System
Loan Origination and Management System for Smarter Lending
LOS/LMS brings loan origination and loan management together to streamline the complete lending lifecycle. From application capture, borrower verification and credit assessment to approval, disbursement, repayment and servicing, the platform enables financial institutions to manage lending operations through a connected digital workflow.
Book a Free ConsultationFor AI & fintech partners
Trusted by Leading Banks & Financial Institutions
ABOUT LOS/LMS
From Loan Application to Closure, Connected in One Platform
LOS/LMS is designed to digitise the lending journey from the initial loan application through ongoing loan servicing and closure. The Loan Origination System (LOS) manages the front-end lending process, while the Loan Management System (LMS) manages the loan after disbursement. Together, they create a connected lending environment that improves operational visibility, standardises workflows and supports faster, more controlled loan processing.
Connecting origination, approval, disbursement and loan servicing to help financial institutions deliver more efficient and transparent lending operations.
Core Capabilities
Powerful Capabilities Across the Lending Lifecycle
Digital Loan Application Management
Capture and manage borrower applications through structured digital workflows, providing lending teams with centralised access to application information and processing status.
Borrower Verification & Documentation
Organise borrower information, identity verification, supporting documents and application requirements within a controlled digital process.
Credit Assessment & Underwriting
Support credit teams with structured assessment workflows, eligibility checks, credit information and configurable approval processes to improve lending decisions.
Automated Approval Workflows
Route applications through defined approval hierarchies, enabling appropriate teams to review, authorise and progress applications while maintaining process visibility.
Disbursement & Loan Servicing
Connect approved loans with disbursement and post-disbursement servicing, including repayment schedules, charges, payments and ongoing account management.
Collections & Delinquency Management
Support repayment monitoring and collection activities by providing visibility into overdue accounts, delinquency status and recovery workflows.
Key Features
Built Around the Complete Loan Lifecycle
End-to-End Loan Origination
Manage the journey from application intake and borrower verification through credit assessment, underwriting, approval and disbursement within a connected workflow.
Configurable Lending Workflows
Structure lending processes around different products, approval levels and operational requirements, helping institutions standardise processing while retaining flexibility.
Integrated Loan Servicing
Manage active loan accounts after disbursement, including repayment schedules, payments, charges, servicing activities and account status throughout the loan lifecycle.
Portfolio & Delinquency Monitoring
Provide lending teams with visibility into outstanding loans, repayment performance, overdue accounts and portfolio-level activity to support proactive loan management.
Collections & Recovery Management
Support structured collection processes for overdue accounts, enabling teams to track recovery activities, borrower interactions and delinquency progression.
Lending MIS & Operational Reporting
Provide management with dashboards and reports covering applications, approvals, disbursements, active loans, repayments and portfolio performance.
By the numbers
Thirty years of banking, at production scale.
30
+
Years of continuous operation, since 1995
World's
1st
True Bilingual Core Banking Platform
14,000
+
Branches running our software, 20 Indian states
90,000
+
Bank employees on our platforms
~80
%
Of India's regional rural banking sector
5,000
+
Branches running our core banking platform across one of India's top-five public-sector banks. Joint IPR with the bank.
50,000
+
Employees on our HRMS platform at a top-tier Indian banking group. ₹50,000 crore+ annual payroll under management.
300,000
Daily transactions on our platform at a state cooperative bank we have served for two decades. 1.6 million customers.
For AI & fintech partners
What we offer is harder to find than money.
01 / Distribution
Real reach, at real scale.
Put your product in front of millions of users across 37 client banks and 14,000 branches within months. Revenue-share basis. No other vendor in the UK or EU can replicate this footprint.
02 / Scale testbed
500,000 users in 90 days.
Pilot a product across multiple banks and stress-test pricing, feature design, and operational posture against a live frontline before you scale anywhere else.
03 / Compliance lab
Regulator-grade by default.
Products that work for us tend to work across South Asia, the Middle East and parts of Africa with limited rework. Cleared India's central bank's first cohort testing for offline solutions.
04 / AI training data
Multilingual, consented, frontline.
Banking-frontline interaction data from 90,000 employees across 14,000 branches. Consented, multilingual, and from a working production environment few firms can match.
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