Retail Lending
Software

Embark on a transformative journey with timveroOS, the avant-garde retail loan origination software developed by an experienced loan management provider. Designed to redefine retail lending experiences, timveroOS seamlessly integrates into your operations. With cutting-edge features, TIMVERO software enables efficient risk assessment through advanced analytics, ensuring precise decision-making.

What sets timveroOS apart is its intuitive interface and customizable workflows, empowering financial institutions to tailor the software to their unique needs. The robust CRM capabilities facilitate personalized customer interactions, while the comprehensive reporting and analytics unveil actionable insights into loan performance and market trends.

What sets timveroOS apart is its intuitive interface and customizable workflows, empowering financial institutions to tailor the software to their unique needs. The robust CRM capabilities facilitate personalized customer interactions, while the comprehensive reporting and analytics unveil actionable insights into loan performance and market trends.

Retail loan origination system

TIMVERO’s Retail Loan Origination Software is a groundbreaking loan management solution with full-fledged digital onboarding, smart scoring, contracting, and collection modules. Elevate your lending operations with efficiency and precision, ensuring a streamlined and comprehensive approach to every stage of the loan lifecycle. Welcome to the future of lending with timveroOS.

Digital onboarding

Say goodbye to cumbersome paperwork and hello to a seamless, user-friendly process for your borrowers.

Accelerate customer onboarding with intuitive interfaces, ensuring a swift and efficient journey for both borrowers and financial institutions. Welcome to the future of retail lending where convenience meets innovation.

Clear-cut interfaces combined with robust security measures ensure a smooth and secure application process. From document uploads to identity verification, timveroOS streamlines every step, providing borrowers with a hassle-free experience.

Automated scoring

Empower your retail loan management decisions with timveroOS's automated scoring module. Minimize manual assessments as our advanced algorithms analyze borrower profiles swiftly and accurately.

This cutting-edge feature enhances risk evaluation, ensuring data-first loan approvals. With timveroOS, maximize profitability and alleviate risks in your retail lending operations. Welcome to a new era of lending intelligence.

Contracting

Upgrade your retail lending journey with timveroOS's integrated contracting module.

Simplify and expedite the documentation process, ensuring swift and error-free contract execution. Seamlessly manage agreements, customize terms, and maintain compliance effortlessly.

From e-signatures to automated workflows, timveroOS transforms contracting into a seamless, efficient experience, providing a robust foundation for secure and compliant retail lending operations.

Collection

Navigate the complexities of collections effortlessly with timveroOS: an uncompromised retail loan origination system.

Streamline and automate debt recovery processes, from personalized reminders to strategic workflows. Leverage real-time monitoring and analytics to optimize strategies for delinquent accounts, ensuring effective collections while preserving positive borrower relationships.

Elevate your retail lending operations and build an intelligent debt recovery system with TIMVERO.

Digital onboarding

Automated scoring

Contracting

Collection

Retail loan origination
system

Digital onboarding

Automated scoring

Contracting

Collection

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.

AI Analytics at core

Empower your retail lending enterprise with timveroOS Analytics, a transformative tool for strategic growth. By harnessing AI/ML-driven data processing, identifying prime products and customer cohorts, optimizing approval rates, and curbing delinquency. The TIMVERO Cashflow Engine equips executives with dynamic financial models, boosting profit per loan.

Our AI/ML-powered decision-making module accelerates executive decisions, delivering a remarkable 13% increase in profit per loan for banks, credit unions, and fintechs. This innovation employs data analytics for continuous enhancement, refining underwriting, services, and product development.

The exclusive Financial Engineering/Cashflow Engine helps wipe out bottlenecks in teams, amplify business effectiveness, manage portfolio risks, uncover upsell opportunities, and shape compelling marketing with noteworthy ROI using timveroOS Analytics meticulously crafted for retail lending.

Did you know? Our analytics have demonstrated a 20% reduction in approval process time for retail loans, ensuring a swift and seamless experience for borrowers.

See it in action

Customizable Loan Architecture

Unique architecture based on Particpants entities that can be customized for any custom attributes,documents, profiles and emdedded 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

Customers recommend

M., Operations Manager at a Texas-based credit union, USA

"timveroOS elevates our retail loan origination with an intuitive borrower-friendly experience. We value the diverse integrations, expediting product launch and maximizing functionality at moderate costs.”

Meet M., Operations Manager at a dynamic lending firm. Prioritizing efficiency and innovation, timveroOS aligns seamlessly with his vision. It provides a platform for streamlined onboarding, flexible integrations, and analytics, solidifying his firm's regional market leadership in retail lending.

Alex Martínez, Loan Operations Director

"timveroOS wowed us with its customer-first approach and on-time delivery. Impressive results include product scalability and swift release cycles, making TIMVERO our top choice for agile lending operations.”

Meet Alex Martínez, Loan Operations Director. Adapting strategies to diverse markets, Alex values timveroOS's versatile integrations, scalability, and quick release cycles. timveroOS aligns seamlessly with Alex's vision, providing a comprehensive loan management solution.

Emily F., Chief Lending Officer at a fintech company

"Our aim was a retail lending overhaul, and timveroOS significantly transforms our origination process. Seamless digital onboarding and automated scoring ensure profit, while the analytics module optimizes strategies. With timveroOS, lending is efficient, data-driven, and customer-centric."

Meet Emily, CLO at a leading financial institution. At the forefront of tech-driven lending, Emily aligns her data-driven focus with timveroOS's advanced features, the cornerstone of their retail loan origination success.

Previous slide

Next slide

We work with

Banks

Created according to the distinctive needs of banking institutions, our retail loan origination system seamlessly integrates with their operations. Through advanced analytics and robust risk assessment algorithms, it refines risk management and elevates lending decisions. The system's adaptability enables banks to optimize operational efficiency, customize user experiences, and integrate seamlessly with existing systems. Empowering banks to leverage the retail loan market, it seamlessly harmonizes with established banking infrastructures for extraordinary financial service delivery.

Learn more

Finance companies
(fintechs)

Customized for fintech enterprises, our retail loan origination software platform offers an ideal solution, providing a robust and customizable platform for delivering retail loan services. With its API-driven architecture, it seamlessly integrates with fintech platforms, ensuring a user-friendly experience and effortless implementation. Advanced AI and ML capabilities enhance risk assessment and decision-making, while extensive integrations ensure compatibility within fintech ecosystems. The adoption of our retail loan origination system enables fintech companies to diversify their product offerings and advance strategically in financial service provision, fostering heightened customer engagement.

Learn more

Retail Lending Software