BEACON Loan Management Platform. The faster, smarter and cost-effective way to automate your lending business

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1 BEACON Loan Management Platform The faster, smarter and cost-effective way to automate your lending business

2 Faster processing, better oversight & superior risk control Given the rapid growth of NBFC lending business in India, there is an urgent need to upgrade technology to keep pace with the asset growth. The cost of delayed decision making due to ad-hoc data management & human-intensive processes is driving firms to look at technology platforms which automate large portions of the business and thus achieve a quantum jump in overall productivity. BEACON is a comprehensive loan management system to serve the needs of medium to large size firms looking to capture the entire loan life cycle from proposal origination and appraisal through sanction, security creation, documentation, disbursement and monitoring to repayment and closure, using a flexible role based framework. The platform captures every business decision in the entire loan lifecycle, and provides the top management a real-time business performance report. A whole host of reports including loan pipeline, sector wise exposure, turn-around times per activity, current book performance etc. are available on the click of a button. Loan Booking Pre-loan analysis BEACON Reporting Cash-flow management Alerts & s The technology is fully web based, and everyone from a relationship manager to the CEO can readily access the important information online or even a mobile phone. Loan request Accounting Settlements Full loan cycle management

3 How does BEACON manage every step of the loaning process? BEACON provides value to every person involved in the loan making process, starting with the relation manager, who originates fresh business, and extending up to the CEO, who looks at the strategic big picture. BEACON adopts a modular approach, and provides specific modules for critical functions like pipeline management, cashflow forecasting, sensitivity analysis, risk monitoring, month-end reconciliation and regulatory compliance. Role & activity specific modules that help the business at every level. Reporting in BEACON The core strength of BEACON is to churn relevant, information-rich, real-time reports that result in faster and better decision making. The platform makes regulatory compliance easy, as it houses all the reports currently mandated by the RBI.

4 Reporting across multiple dimensions Over 45 real-time reports that track every aspect of loan management process.

5 Process control & Workflow management Clients will benefit from a clear segregation of roles and responsibilities, explicit maker-checker controls, systematic alerts for critical events, comprehensive audit trail and robust document management support. Interfacing with accounting and third party platforms A critical benefit of deploying BEACON platform is the ease of integration with third party applications. The platform can easily integrate with accounting platforms like TALLY ERP 9.0, or market data platforms from providers like REUTERS or BLOOMBERG, or other proprietary applications. The system is highly customizable, and our consultants will help with data migration from other systems and integration to external applications. Accounting platforms BEACON Cash flow projection systems Client s Proprietary platform MS EXCEL (for reports) Market data service Easy interfacing MS Outlook (for s)

6 Technology BEACON is built on flexible.net architecture, and can be hosted on a central server at the client location to ensure full data confidentiality. The platform is fully web based, and can be accessed by all stake holders from even a remote location. The technology is fully scalable and modular, allowing clients to selectively choose modules that are relevant to their respective business. Internet Client Work-stations Server installation Software hosted on a client server or a cloud, and can be accessed over internet on a computer or mobile phone Access on mobile phone Benefits to your organization BEACON streamlines the entire loan management process, and provides benefits to users at every step in the loan cycle. The key benefits of to the organization are listed below

7 Case Study How BEACON helped a major NBFC in India A rapidly growing NBFC, which has exposure to real estate, health care and education sectors, wanted to put in place a business automation platform that acts as a force multiplier and enables better corporate governance. The firm had offices across India, and was looking for a web based solution that could seamlessly interface with its accounting platform. BEACON has been deployed at the client location for over a year and has resulted in significant efficiency improvement and cost reduction Achievements Before After 30% 50% 1 week < 1 day Turnaround times Highlights Man hours spent on managing a loan Time to report critical business metrics Fully web-based platform with over 30 users across 5 centers in India All documentation, pre-loan analysis facilitated by the platform Over 45 reports, which track every vital business metric Huge man-hour saving for reconciliation, accounting, reporting jobs Significant ease in document management & third party audit About Quantum Phinance Quantum Phinance is a financial technology firm engaged in providing treasury and risk management solutions and allied services to banks, corporate treasuries, hedge funds and other financial institutions. The company was founded in 2006, and is promoted by former trading and investment banking professionals. For more information, please visit or send us an at contactus@quantumphinance.com. For queries or to fix up a demo, please call at