working for the souls!
Enterprise MobilityTM

Enterprise MobilityTM
Interactive, Innovative, Impressive
Anywhere Anytime…

Process Flow01
Features02
AGENDA

Process Flow (At Field Level)
Loan Application Form (LAF) data
entry will be done at the doorstep of
the clients and all the soft copies of
client related documents will be taken
by the Credit Officer along with their
GPS recordings.
Credit Officers
Data Entry
LAF document will automatically
be displayed in BM work que at
login once it is submitted by the
Credit Officer. The BM will
conduct complete client’s
appraisal by using GPS technology
available in Smart Financial Suite.
Branch Manager
Verification 01
Area Managers will conduct
complete desk appraisal and
random field appraisals as per
SOPs.
Area Manager
Verification 02

Process Flow (At Head Office Level)
The case then moves on to next
level that is Risk Officer
appraisal. An Independent
complete appraisal will be
ensured using GPS technology.
The data will be rechecked to
make sure its completeness,
validity and accuracy.
Risk Officer
Final Approval
Finance department will allocate
an XPIN (System Generated).
The cheques of the approved
clients will be sent to the bank
for disbursement to clients’
accounts. After uploading of the
file, the XPIN of the successful
transactions will be sent back to
branches.
Finance Department
Xpin/Cheque
As the branch is intimated for
the availability of funds against
their requested clients for
disbursement, it will provide the
XPIN Codes/Cheque to the
clients for encashment from
designated banks.
Branch Staff
Disbursement

Past vs Now

Environmental friendly solution ( first step
towards paperless banking)
Based on cash flow lending/credit scoring
tool developed by M-Cril
Real-time data processing
Geo tagging of clients and tracking via google map
Reduction in Turnaround Time (TAT)
Cost effective solution for clients
On the go approvals
Environment
Digital transformation
Enhanced Customer Services Client and Staff Tracking
Portfolio Management
Real-time staff location & monitoring
Intimation to client about their loan
application status
Hassle free handling of clients related documents (softcopy)
Independent client appraisal, compliance
and audit using GPS technology
Seamless portfolio transfer
Reduce staff dependency for client tracking
Follow-up of recoveries, clients commitments
and nearby overdue clients popups
Loan application process tracking and real
time recovery posting view
Due recovery messages to clients
Salient Features of Smart FS

NADRA Verisys Integration
Easily traceable clients data base Reduction
in errors, mistakes and fraudulent activities
Capacitating credit officers for the
upcoming era of advance technology
Data removal (against pre-defined criteria)
from TAB once uploaded to server
Technology Advancement
Data Security
Staff Capacity Building
Transparency & Risk Mitigation
Authorized access through VPN
Connectivity
Data and app protection via launcher
Availability of online reports, especially
related with due and overdue clients
Decentralization of credit bureau enquiries
Data accuracy using OCR technology
Automatic poverty scorecard data
extraction
Different dashboard according to user rights Reduction in the risk of lost of data
(physical files)
A step towards standardization
Salient Features of Smart FS

DISTINCTIVE FEATURES

High Operational Efficiency/TAT
Less Human Effort
On The go Approvals
High Data Accuracy
Portfolio Growth Overall
Mobility Features
Time Management

Increased Geographic Presence/Outreach
More Products & Services Offering
Improved Customers Experience
Proactive Clients’ Traceability
Ultimate Risk Coverage
Mobility Features
Fully Optimized

A Bundle of Aspiring
Modules with Lots
More Options
Business Intelligence
Dashboard

Reducing TAT Using Real Time Connectivity
Borrower
Credit Officer
Head Office
Area & Regional
Offices
Branch Office

Distinctive Modules

Modules
Disbursement
Overdue Clients
Loan Tracking List
Reports
Follow up Clients
Nearby Clients
Approvals
Recovery Form
Digital Verification

Borrower’s/Client’s Digital Verification

Disbursement Management
 Basic Client Information
 Group Formation
 Loan Formation Information
 Client Business Information
 Details of Domestic Income
 Household Facilities & Health Status
 Household assets, Livestock & Cash flow
 Loan Utilizer information
 Guarantor Information
 Attachments
 Loan Submission form

Approval Management
 Standard List of Pending Approvals
 Search Member wise Approval Status
 View/Print Loan Application Form
 On Approval Rejection Notify to User

Submit Case Approval(s) Flow
Credit Officer
Branch Manager
Compliance Officer
Area Manager
Program Manager
 Credit Officer Enters Data
 Credit Officer Approval
 Branch Manager Approval
 Compliance Officer Approval
 Area Manager Approval
 Program Manager Approval

Overdue Clients View
 List of all Overdue Clients
 Applicant List with Detail
 Show Data as per Rights

Nearby Clients View
 View Clients during Field work
 View Clients on Google Map
 Trace Clients and view Detail on Google

Borrower’s/Client’s Location on Map

Credit Officer’s Location on Map

Loan Tracking List Management
 List of Current Loan Application in Process
 Search Pending, Approved and Rejected Cases
 Trace Client By CNIC and Product

Recovery Management
 Enter Recovery individual/ Group Wise
 Search Facility for Quick Data Entry
 List Recover Records

THANK YOU
info@c4infotech.com c4infotech.com