CBX-O, Born on Cloud
A Commercial Loan Origination platform powered by AI & ML for improved credit risk optimisation and informed credit decisions

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CBX-O, Born On Cloud

Time consuming processes, high cost of acquisition, lack of proper record keeping and documentation by SMEs, poor credit worthiness, lack of collateral security, extended conversion cycles and multiple levels of approval have made commercial lending highly complex and inefficient for customers.

Sales Relationship Manager

You have a problem?
  • Are you unable to manage customer and channel relationships well?
  • Are your cases stuck for ages and you are unaware of the reasons?
  • Are you spending a lot of time chasing people?
We have a solution!
We have a solution that:
  • Is simple and easy to navigate systems with minimum data entry requirements and the capability to access the system anytime, anywhere
  • Helps keep the customer informed on the application progress
  • Increases customer engagement, resulting into enhanced customer relationship
  • Enhances conversion rates and reduces TAT

Sales Head

You have a problem?
  • The loan book needs to grow faster with the same team but it is very difficult to track the individual cases and take them to closure?
  • Does it become overwhelmingly complex to pinpoint why a particular RM/channel is underperforming despite a healthy pipeline?
  • During management review meetings, are you often at a loss to give accurate business projections?
We have a solution!
We have a solution that:
  • Provides a 360-degree view of opportunities in the pipeline, RM performance and acquisition channel performance through customisable/contextual dashboards
  • Increases productivity of RMs resulting in higher revenues
  • Enhances conversion rates and reduces TAT

Credit Analyst

You have a problem?
  • Incomplete applications, inadequate documents, collating data or seeking deviations/approvals – are these your biggest nightmares?
  • Your sales team seeking constant updates – does this give you sleepless nights?
We have a solution!
We have a solution that:
  • Provides complete information, verification and data authentication functionalities
  • Allows aggregation and analysis of mass data and information in public domain and government repositories using automated tools
  • Facilitates customer and collateral verifications and validation
  • Has the ability to screen applications on a rule based logic
  • Ensures ease of conducting renewals/reviews

Head of Credit

You have a problem?
  • While the business volumes have grown multifold, there is pressure on not increasing your team size. The outcome: your team is blamed for slow turnaround times.
  • The mass of information available in the public domain needs serious analysis and needs to be automated – is it being done?
We have a solution!
We have a solution that:
  • Provides complete information, verification and data authentication functionalities
  • Allows aggregation and analysis of mass data and information in public domain and government repositories using automated tools
  • Facilitates customer and collateral verifications and validations
  • Has the ability to screen applications on a rule-based logic
  • Ensures ease of conducting renewals/reviews

Back Office Manager

You have a problem?
  • Is it a daunting task to track each case, trail it to the respective RM and manage every sanction condition, many of which come on emails?
  • Is it extremely cumbersome to seek clarifications with respect to each verification and valuation?
We have a solution!
We have a solution that:
  • Helps auto generate requisite documents
  • Tracks deviations/deferrals with respect to sanction terms/covenants
  • Has robust document management, archival and retrieval capabilities
  • Has the ability to do all requisite KYC, policy and regulatory checks
  • Offers superior regulatory and compliance management

IT Head

You have a problem?

Though we want to upgrade to the latest technology, there is always an issue managing multiple applications which are often not in sync with each other. Integration with existing/legacy systems is very challenging and causes a lot of downtime. There is a need to have a smarter and faster decisioning tool.

We have a solution!
We have a solution that:
  • Leverages the power of real-time data
  • Enables faster aggregation of information from disparate systems
  • Is AI and ML-based Risk Analyst triangulating data from structured and unstructured sources
  • Automates time-consuming tasks
  • Has the Digital 360 Advantage of:
    • 5th generation technology
    • Enabling customer experience
    • Operational excellence and
    • Straight-through processing