Digital Lending Solution
for Fintechs,
NBFCs, Banks, HFCs, MFIs
of all sizes
Loan Origination System | Loan Management System | Collection

Borrowing, Financial Accounting, Deposits and Debentures

We provide modern digital lending solution that are suitable for Fintechs as well as traditional lenders.

Complete digital Customer onboarding digital credit and underwriting with BPM Wokflow flowcharting based products design. Perhaps the most flexible and modern solution
With unmatched scalability

Covers: Fintechs · NBFCs · Banks · Housing Finance · Microfinance

Lines Of Business

The Loan Management System is very flexible and caters to many types of loans and we are always looking out to cater to more Loan Types.

These Loan Types include :-

Vehicle/Auto Finance
Loan against Property
Personal Loans
Machinery Loans
Home Loans
Business Loans
SME Loans
Loan Against Shares
Microfinance
Gold Loans
Wholesale
Corporate Loans
Education Loans
Overdraft Account

Supply Chain Finance ( Sales Bill Discounting, Purchase Bill Discounting, Anchor Bill Discounting ) etc.

Our 2 decades of journey

We have the depth of experience and features, done right.
Easy UX · Latest Technologies · Digital Transformation

Jaguar 360 Cloud

Jaguar 360 Cloud is our flagship product and our platform for the next decade. In active development, this Loan Management Software will be continually enhanced to capture the evolving needs of our customers.


Cloud Technologies For Scale And Performance.

Developed using Java, Angular (Open Source Technologies), and run on stable linux servers in the cloud – Jaguar 360 Cloud performs and can handle workloads at the scale of large banks.

Provides 360° coverage of the business, providing all the tools needed to keep the business running at peak performance. Storing Customer interaction in the system makes a business system driven and less dependent on people. Assigning tasks to the team and escalations on delays ensures peak performance.

Feature Set

Digital onboarding using Video KYC/ eKYC, digital credit using Customer score, Bureau score, statements analysis, alternate credit, etc

BPM Workflows

Definable Workflows such as Loan Application to Disbursement, Repossession, Legal etc. flow automatically from one task to another for the respective employees or outside agencies. Also maintaining the Time Action Taken (TAT) for each action. This ensures that no tasks are forgotten or delayed causing your Enterprise to always work at peak performance.

Collaboration

Team Chat and Team Tasks make it possible to communicate and assign tasks to other staff members. This can be used for those tasks that do not fall into existing workflows. Automatic feedback mechanism is also there, so that the initial assignee will get status updates for assigned tasks. Entire Company can collaborate within the solution.

Drag n drop to design a process. Add or remove tasks. Any number of processes can be designed.

Sample Auto Loan Workflow
Sample Gold Loan Workflow

Modules

  • Loan Origination System

  • Loan Management System

  • Collection

  • Borrowing

  • Deposits & Debentures

  • Financial Accounts

  • Collaboration Features - Team Chat & Team Tasks

Loan Management

  • Disbursement to Loan Closing, covers the entire lifecycle.

  • Includes

  • Integrated Financial Accounting

  • Scheduled Disbursal

  • Repayment Options: EMI/ Scattered Instalments/ Moratorium/ Bullet Payment/ Loan

  • Flexible Installment frequency (Daily/Weekly/Bi-Monthly/Monthly/Quarterly/Six-Monthly/Yearly)

  • Income Recognition

  • Repayment Management

  • PDC Management

  • ACH Handling

  • Late Payment Handling

  • Part pre-payment

  • NPA & Provisioning

  • Closure

  • NOC Register

  • Post Disbursal Document Management (PDD)

  • MIS

  • Multi-lingual Letters, Notices &

  • Emails (Transliteration)

  • SMS integration

  • CIBIL Data submission

LOAN ORIGINATION

Lead to Disbursement, covers the entire workflow.

Includes

  • Completely automated or some manual tasks

  • Flexible BPM/ Workflow

  • Rules Engine

  • Customer De-duping (Duplication check)

  • eKYC/ Aadhaar Verification

  • Online CIBIL Check

  • Telephone verification (TVR)

  • Personal Discussion- Credit, BM (PD)

  • Field Investigation (FI) - Allocation & Feeding

  • Document Management - Changing

  • Required Documents, Upload, Pendency

  • Fraud Check

  • Title Search Allocation/ Report

  • Financial Analysis

  • Valuation Allocation/ Report

  • Underwriting/ Credit Verification

  • Digital Bank and Financial Analysis

  • TAT & Escalations

Collection

NBFC App Collections help track & manage delinquent customers and minimize delinquencies using tighter supervision. The system facilitates proactive actions through all stages from soft calling to hard bucket collections.

Includes

  • Classification

  • Allocation

  • Follow-up

  • Escalations

  • Re-possession Workflow

  • Legal case tracking

  • Settlement

Mobile solutions for the field force

We’re actively developing mobile applications to capture new use-cases. Mobile applications backed by cloud computing will provide new efficiencies and increased control over your business.

LEAD MANAGEMENT AND CRM-APP

  • Onboarding & Appointments

  • Digital KYC & Document capture

CUSTOMER APP

  • Loan Application with digital KYC

  • Pay with Payment Gateway integration

COLLECTION APP

  • Receipt print (pocket Bluetooth printer)

  • Offline Mode
    Customer location tracking with GPS
    Collection route planning

  • Meeting result and next steps

FIELD VERIFICATION APP

  • Google Map integration with customer addresses for verification

  • Verification forms

New Features

Business Intelligence & Analytics

Get performance and comparisons by
time period, branches, locations, dealers, managers, and executives.

  • Rules Engine

  • Deviation Calculation as per Rules Engine

  • Customer Credit Score as per Rules Engine

  • Artificial Intelligence

Jaguar Multi Branch

Jaguar Multi-Branch is deployed at customers with up to 100 crores of turnover and 10s of branches.

Highlights

  • Web based interface allows branch operations in real-time by connecting to the Windows Server in HQ

  • It is robust and running reliably for years in production environments

  • It is a sophisticated solution that captures a lot more detail than Jaguar Desktop.

Salient Features

Modules

  • Loan Origination System

  • Operations

    • Hire Purchase

    • Hypothecation

    • Loans

    • Securitization

    • Channel Partners

  • Collection

  • Financial Accounts

Main Features

  • Web based ERP with Multi-Location Branch/

  • Collection center handling capability

  • Proposal

  • F.I./Verification (Central Customer Database, De-

  • Duplication, CIBIL Check)

  • Pending Document Tracking (PDD)

  • Insurance Tracking

  • Manage high volumes of PDCs

  • ECS and Audit System

  • Cheque Issue Register (Cheque Printing)

  • Defaulters list Bucket Wise (DPD)

  • Foreclosure Statement

  • IRR based

  • Automated Accounting Entries

  • Covers all aspects of Channel Partner Business and includes a full-fledged Accounting System thus eliminating need to maintain accounting separately

  • Compliance with

    • RBI

    • CIBIL

    • CRISIL

Jaguar Desktop

Jaguar Desktop is designed for small businesses and covers basic requirements with a large number of features that cover the needs of most small companies.

Salient Features

  • It is robust, very widely used and running reliably for decades in production environments

  • It contains the following modules

    • Operations

      • Hire Purchase

      • Hypothecation

      • Channel Partners

    • Collection

    • Deposits and Debentures

    • Financial Accounting

  • SMS integration

Custom Feature Development

With us you’re in safe hands – you’ll never get stuck due to lack of features. If you require a feature that is not present, we’ll develop it for you. We really want our customers to succeed and go the extra mile

For charges, we make a case by case judgment. For some small features or widely applicable enhancements, we might provide it for free. For other customizations, we will charge you a reasonable amount, but you’ll always be able to get the feature

We carefully understand your business requirements, our experts match it with our deep domain expertise, and come up with elegant solutions that handle the business case well – usually exceeding the customer expectations

Support

Dedicated Team

We have dedicated customer support teams in two offices. We’re always available online during business hours.

Instant Help

Online Support through Desktop sharing tool at the click of a button – irrespective of your geography.

Developer Backed

Our support teams are backed by developers who are readily available.