EDUCATION RESELLER

w w w . j m r i n f o t e c n . c o m

JMRi PROFITTO SUITE FORLENDING INSTITUTIONS

Morgan Stanley in a report stated that marketplace lenders “could command $150 billion to $490 billion globally by 2020". At the moment, Banks and Financial Institutions are not in a position to handle this huge anticipated growth in the lending ecosystem. They are faced with several challenges due toi) New competition from FinTechs backed up by latest technologically advanced and flexiblesolutionsii) Drastically changing consumer behaviouriii) Engaging and servicing consumers only from a few limited channelsiv) Longer TATs for loan processing and disburse-ments

v) Unforeseen changes in Lending Compliance and Regulations

We at JMR Infotech having worked with more than 110+ customers globally have identified all these challenges and designed a unique digital experience through Profitto Suite for Lending Institutions.

Irrespective of the size, geography, offerings and strategy, we at JMR Infotech have the right mix of integrated technology solutions which meets the business objectives, budget and addresses the challenges of Lending Institutions mentioned above. This solution is available on-premises and on-cloud to complement and provide flexibility to Lending Institution's IT strategy.

• Web based solution which caters to a wide spectrum of key Lending Institutions operations: Online Loan Request, Online Account Opening, Upload digital documents, Express interest in various offerings of the Lending Institutions and view e-statements• Customers, back office and field users can access the solution using Desktop, Laptop, Tablet and other hand held devices with ease and safety

Architecture Drivers

What Profitto Suite offers to Lending Institutions

Banking Suite

Customer Digital Experience

Clear separation of tiers

Best of Breed technology for

each tier

Modules can be added / imple-mented as per

growing business needs

Multi-Currency, Multi-Lingual

Multi-Entity, Multi Time zone

Usage of Open standards and

technology Ease of

Interfacing and Integration

Component based design

Service oriented architecture

Each LayerHandled by

Business, IT and Partners

Proven Track record

Horizontaland Vertical Scalability

Allows choice of platform

Enables platform changes in the

future

n-Tier

Modular Multi-Multi Open SOA

Extensible Scalable PlatformIndependent

• Downloadable apps for handheld devices to venture into Agency Banking activities• Supports omni-channel delivery of services through, Branch, ATM, Internet, Mobile, IVR and SMS Banking

• Flexible Customer Module for management of customer and memberships details• Capture and store detailed customer (Retail, SME, Corporate and Commercial) information through multiple channels• Carry out KYC (Know Your Customer) compliance and capture mandatory KYC documents

• Easy Integration with CB (Credit Bureau) to extract Credit History • Easily configurable scorecards from user interface based on business dynamics

• A complete document solution in: Document Attachment, Document Archival, Document Release and Document Maintenance• Customizable Collateral Allocation which aids single collateral pool allocation to multiple accounts and multiple collateral pool allocation to single account

• Configurable Credit Origination module to replicate any Credit Appraisal Process followed by institutions• Supports user, role, committee and board based credit approval processes

• Disbursements & Repayments from/to Groups or individuals within the group • Auto tracking and monitoring of possible defaults based on bank and regulatory standards• Rule based case allocation of cases to internal/external agents based on configured logics

• Product management module which ensures quick and on the fly setup of products and schemes• Configure Lending Institution’s offerings: Current & Saving Accounts, Term & Recurring Deposits, Loans & Advances – Retail, SME, Staff & Commercial and others

• Seamlessly integrated GL module to ensure accounting entries in compliance with local, regional and global standards• Easily setup of charts of accounts and event based accounting entries based on business operations

• The solution comes pre-integrated with a configurable dashboards and reports• Dashboards and reports for various roles of the institution, such as, Branch Managers, Relationship Managers, Retail Heads, Corporate Heads, CFO, CRO, CEO, etc. are pre-configured

Back office Automation

Customer Management

Credit Rating & Scoring

Document & Collateral Management

Credit Origination

Loans & Collections

Products & Schemes

General Ledger

Analytics & Reporting

• Enables straight through processing of payments on a 24 X 7 basis for all customer types and transactions• Integration with: Online transfer, pay utility bills mobile, telephone, gas, electricity, pay insu rance premium, buy prepaid mobile airtime and others• Integration with ATM & POS devices

• Be the one-stop-Lending Institution to your members by providing Life and Non-Life Insurance products and creating new revenue streams through insurance commission• Offers customer portal, agent/ advisor portal, automated work flow and SLA maintenance to Lending Institutions• Tracking insurance commission receivable and received from the insurance companies

• A comprehensive platform that allows service providers to choose how they offer their mobile financial services to their customers• Enables straight through processing involving financial institutions, customers, telcos and payment gateway providers• Payment of utility bills, insurance premium payment, transfer transfers from customer’s wallet to

Functional Architecture

Value Adding Features

Payment Gateway Services

Diversify into Bancassurance business

E-Wallet Service

Delivery Channels

Integration Gateway

Inte

grat

ion

Gat

eway

Inte

grat

ion

Gat

eway

Customer Digital Experience(Genie de Banca) ATM IVR / Contact

CentersPOS / Handheld devices

CRM

ERP

DMS

Bancassurance

BI & Analytics

Payment Gateway

Reconciliation

Retail & SMELoans

Corporate Loans Group Lending

WorkflowManagement Limits & Collaterals Credit Rating &

Scoring

Loan Collections Agency Banking Product Mgmt

Access & Controls General Ledger MIS & Reporting

Sales

Marketing

Service

HRMS

ProcurementAccounts

Receivables

Shares Mgmt Credit OriginationCustomer Mgmt

www.jmrinfotech.com

info@jmrinfotech.com

+91 80 300 27700

+91 80 300 27701©2016 JMR Infotech - All rights reserved.