Consumer loan software
The end-to-end consumer loan origination software by TIMVERO is created to meet your business needs. Like a missing jigsaw puzzle.
It automates the loan origination and loan management for any loan type. Be it installments, BNPL, POS, auto loans, microloans, or secured and unsecured credit lines – we’ve got you covered.
Loan software that
anticipates your needs
Customer onboarding
timveroOS builds seamless and tech-savvy onboarding for banks and financial institutions to improve conversion rates and minimize customer churn at every stage. Your borrowers can undergo fast fully digital KYC checks and submit their consents with a click. The major advantage of TIMVERO consumer lending software is robust data furnishing tools and analytics. The system generates forms and supports auto-fill based on existing CRM data or API integrations with data providers. Just as well it easily extracts and processes data from complex financial reports in banks.
Automated scoring
Automated doesn’t mean uncontrollable or black-box. It is you who defines custom scoring parameters, such as customer profile values, free cash flow range, and other risk parameters. As a result, your consumer lending business obtains data-centric and effective scoring models - both soft-check and hard-check. Each is based on clear predefined rules for different borrower groups to minimize risk, reduce operating expenses and get the most out of what timveroOS automation can fuel your business with.
Contracting
The entire document management part can become paperless. The multi-stage process of signing a contract is supported by a number of online and offline channels. The system stores, edits, and updates various contract templates for borrowers. The timveroOS functionality includes an automatic opening for debit or credit accounts or loan disbursements via integration with a core/general ledger collateral management. No need to switch between files, folders, and data providers: consumer loan servicing software by TIMVERO unites all contracting operations in a single interface.
Collection
Robust collection module is a must-have for retail lending software. When compared to any out-of-the-box solutions in the market, at TIMVERO we added extended covenant control and collecting payments tracking along with ready-made proactive collection strategies for banking with automated notifications. What’s more: banks and lending businesses always have necessary business metrics at their fingertips due to in-built systems for capturing analytical data and smart reporting.
Customer onboarding
Automated scoring
Contracting
Collection
timveroOS builds seamless and tech-savvy onboarding for banks and financial institutions to improve conversion rates and minimize customer churn at every stage. Your borrowers can undergo fast fully digital KYC checks and submit their consents with a click. The major advantage of TIMVERO consumer lending software is robust data furnishing tools and analytics. The system generates forms and supports auto-fill based on existing CRM data or API integrations with data providers. Just as well it easily extracts and processes data from complex financial reports in banks.
Automated doesn’t mean uncontrollable or black-box. It is you who defines custom scoring parameters, such as customer profile values, free cash flow range, and other risk parameters. As a result, your consumer lending business obtains data-centric and effective scoring models - both soft-check and hard-check. Each is based on clear predefined rules for different borrower groups to minimize risk, reduce operating expenses and get the most out of what timveroOS automation can fuel your business with.
The entire document management part can become paperless. The multi-stage process of signing a contract is supported by a number of online and offline channels. The system stores, edits, and updates various contract templates for borrowers. The timveroOS functionality includes an automatic opening for debit or credit accounts or loan disbursements via integration with a core/general ledger collateral management. No need to switch between files, folders, and data providers: consumer loan servicing software by TIMVERO unites all contracting operations in a single interface.
Robust collection module is a must-have for retail lending software. When compared to any out-of-the-box solutions in the market, at TIMVERO we added extended covenant control and collecting payments tracking along with ready-made proactive collection strategies for banking with automated notifications. What’s more: banks and lending businesses always have necessary business metrics at their fingertips due to in-built systems for capturing analytical data and smart reporting.
Loan software that
anticipates your needs
Customer onboarding
timveroOS builds seamless and tech-savvy onboarding for banks and financial institutions to improve conversion rates and minimize customer churn at every stage. Your borrowers can undergo fast fully digital KYC checks and submit their consents with a click. The major advantage of TIMVERO consumer lending software is robust data furnishing tools and analytics. The system generates forms and supports auto-fill based on existing CRM data or API integrations with data providers. Just as well it easily extracts and processes data from complex financial reports in banks.
Automated scoring
Automated doesn’t mean uncontrollable or black-box. It is you who defines custom scoring parameters, such as customer profile values, free cash flow range, and other risk parameters. As a result, your consumer lending business obtains data-centric and effective scoring models - both soft-check and hard-check. Each is based on clear predefined rules for different borrower groups to minimize risk, reduce operating expenses and get the most out of what timveroOS automation can fuel your business with.
Contracting
The entire document management part can become paperless. The multi-stage process of signing a contract is supported by a number of online and offline channels. The system stores, edits, and updates various contract templates for borrowers. The timveroOS functionality includes an automatic opening for debit or credit accounts or loan disbursements via integration with a core/general ledger collateral management. No need to switch between files, folders, and data providers: consumer loan servicing software by TIMVERO unites all contracting operations in a single interface.
Collection
Robust collection module is a must-have for retail lending software. When compared to any out-of-the-box solutions in the market, at TIMVERO we added extended covenant control and collecting payments tracking along with ready-made proactive collection strategies for banking with automated notifications. What’s more: banks and lending businesses always have necessary business metrics at their fingertips due to in-built systems for capturing analytical data and smart reporting.
Customer onboarding
Automated scoring
Contracting
Collection
timveroOS builds seamless and tech-savvy onboarding for banks and financial institutions to improve conversion rates and minimize customer churn at every stage. Your borrowers can undergo fast fully digital KYC checks and submit their consents with a click. The major advantage of TIMVERO consumer lending software is robust data furnishing tools and analytics. The system generates forms and supports auto-fill based on existing CRM data or API integrations with data providers. Just as well it easily extracts and processes data from complex financial reports in banks.
Automated doesn’t mean uncontrollable or black-box. It is you who defines custom scoring parameters, such as customer profile values, free cash flow range, and other risk parameters. As a result, your consumer lending business obtains data-centric and effective scoring models - both soft-check and hard-check. Each is based on clear predefined rules for different borrower groups to minimize risk, reduce operating expenses and get the most out of what timveroOS automation can fuel your business with.
The entire document management part can become paperless. The multi-stage process of signing a contract is supported by a number of online and offline channels. The system stores, edits, and updates various contract templates for borrowers. The timveroOS functionality includes an automatic opening for debit or credit accounts or loan disbursements via integration with a core/general ledger collateral management. No need to switch between files, folders, and data providers: consumer loan software by TIMVERO unites all contracting operations in a single interface.
Robust collection module is a must-have for retail lending software. When compared to any out-of-the-box solutions in the market, at TIMVERO we added extended covenant control and collecting payments tracking along with ready-made proactive collection strategies for banking with automated notifications. What’s more: banks and lending businesses always have necessary business metrics at their fingertips due to in-built systems for capturing analytical data and smart reporting.
Customizable Loan Architecture
Unique architecture based on Participants entities that can be customized for any custom attributes, documents, profiles and embedded intro the custom step of the loan process.
Participant
Consumer
Raw and featured data
- ID number
- Address
- Disposable income
- Credit score
Documents
- ID card
- Proof of address
Deal
Business flow
- KYC
- Underwriting
- T&C calculations
- Signing
Products
- Credit card
- Fixed-term loan
- Installment
Low-cost self-maintenance
TIMVERO SDK provides you with the end-to-end automation of custom workflows at reasonable self-maintenance costs and a lot of flexibility.
Automated loan limit calculation
Choose your business strategy depending on the borrower’s parameters (demographics, income, grade, location, occupation, etc.)
Event-based proactive strategies
Go for fully-automated or semi-automated execution of loan management processes based on events and triggers.
Softcheck and hardcheck support
The freedom of choice is available both to you and your borrowers: enabling them to select the most appropriate option without harming their credit score.
Proprietary CRM system
The CRM system functionality in the timveroOS for consumer lending includes DWH for advanced analytics to help you create a personalized customer experience.
90+ ready-to-use integrations
TIMVERO offers an impressive list of pre-set integrations with data providers, cores, accounting systems, and more for added value to your lending solution.
Low-cost self-maintenance
TIMVERO SDK provides you with the end-to-end automation of custom workflows at reasonable self-maintenance costs and a lot of flexibility.
Automated loan limit calculation
Choose your business strategy depending on the borrower’s parameters (demographics, income, grade, location, occupation, etc.)
Event-based proactive strategies
Go for fully-automated or semi-automated execution of loan management processes based on events and triggers.
Softcheck and hardcheck support
The freedom of choice is available both to you and your borrowers: enabling them to select the most appropriate option without harming their credit score.
Proprietary CRM system
The CRM system functionality in the timveroOS for consumer lending includes DWH for advanced analytics to help you create a personalized customer experience.
90+ ready-to-use integrations
TIMVERO offers an impressive list of pre-set integrations with data providers, cores, accounting systems, and more for added value to your lending solution.
Advanced AI analytics
On top of automated loan origination and servicing, the analytics module supplies data ready for machine learning processing. Our ML framework helps build risk and underwriting models, and get product and marketing insights.
You get analytics in hours instead of weeks compared to manual processing and model building.
You get analytics in hours instead of weeks compared to manual processing and model building.
TIMVERO analytics system creates genuine recommendations on new underwriting models, best-fit products, and the most effective ways of payment collection.
It means that all bank departments have all the cashflow projections at their fingertips and can make data-driven decisions up to 12 times faster.
Let us explain how it works:
The integration and data transformation modules collect and monitor information from widely sourced data pools via integrations.
XAI (explainable AI) analytics engine uses this data-rich storage to help you find insights for ongoing underwriting, product improvements, and servicing practices.
The projection module helps to seamlessly estimate the impact of new findings in the interconnected financial models between various departments (risk, product, marketing, or financial).
The integration and data transformation modules collect and monitor information from widely sourced data pools via integrations.
XAI (explainable AI) analytics engine uses this data-rich storage to help you find insights for ongoing underwriting, product improvements, and servicing practices.
The projection module helps to seamlessly estimate the impact of new findings in the interconnected financial models between various departments (risk, product, marketing, or financial).
Customers say
Brick and mortar bank from US
“When researching the market, our bank paid attention to the same drawback over and over again: the lack of customizable and easily trackable analytics. However, the TIMVERO system met the demands of our business in full”.
Challenger bank from Spain
“We are a startup consumer lending company with some in-house engineers looking for a scalable solution free of inflated T&M costs. This was a perfect match”.
Digital lender from Germany
“Fast deployment, and generally highly tailored system due to the SDK - we recommend it”.
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Solutions for any lending type
Solutions for any
lending type
Installment
POS
Microfinance
Auto
Student
Payday
Installment
POS
Microfinance
Auto
Student
Payday
Automate your consumer loan software with TIMVERO
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