Contract Setup
Products, tenors, rates/flat, fees/penalties, grace periods, and due date rules.
End‑to‑end loan servicing for consumer & SME financing: contracts & schedules, disbursement, billing & collections, restructures, insurance & collateral, pay‑offs, write‑offs, GL interface, and regulatory reporting — with strong maker‑checker controls.
Products, tenors, rates/flat, fees/penalties, grace periods, and due date rules.
Amortisation (annuity, flat, reducing), interest accruals, rebates, and re‑calcs.
Single/batch disbursement to accounts/VA; notifications to customer/merchant.
Billing runs, tax handling, e‑invoices, and statements.
VAS/VA, QR, cards, cash at branch/partner; auto‑allocation and reversals.
Top‑up, term extension, rate change, consolidation/split, and fee waivers.
Aging buckets, penalty rules, and automatic penalty postings.
Policy capture, endorsements, claims, collateral values and re‑valuation.
Early settlement, rebates, and no‑objection letters (NOC).
Charge‑off workflows, recoveries, and post write‑off accounting.
Chart mapping, auto journals, reconciliation, and period close controls.
Operational/regulatory reports, audit logs, and data exports.