System Components
Core Modules
TimveroOS consists of interconnected modules that deliver lending automation. Each module handles specific capabilities and can be configured through the Admin Panel and SDK.
Origination Engine
What it does: Manages the complete application lifecycle from submission to decision.
Key Functions:
Multi-channel application intake (online, branch, mobile, partner)
Automated application routing based on product and risk profile
Document collection and verification
Status tracking and visibility for all stakeholders
Approval workflow coordination
Components:
Application entity (stores application data)
Business Process (defines application journey stages)
Workflow execution (automated decision processing)
Document management (collection and storage)
Participant management (applicant and co-borrower handling)
Configuration:
SDK (Development team): Entity Statuses, Workflow Integration, Document Management
Admin Panel: Workflow Management, Document Management
Risk Framework
What it does: Evaluates credit applications using configurable decision logic and external data sources.
Key Functions:
Visual workflow design for decision strategies
Multi-stage assessment (preliminary and detailed scoring)
Credit bureau and data source integration
Automated threshold-based decisions
Manual review routing for edge cases
Components:
Workflow Tool (visual decision designer)
Data Sources (credit bureaus, banking data, third-party services)
Mappings (data transformation logic)
Feature Store (calculated risk attributes)
Configuration:
SDK (Development team): Workflow Integration, DataSource Integration
Admin Panel: Decision Automation, Data Sources
Product Engine
What it does: Defines credit products and calculates personalized offers for applicants.
Key Functions:
Credit Product parameter definition (amounts, terms, rates)
Additive configuration for market segmentation
Offer Engine script execution for dynamic pricing
Multiple offer generation per applicant
Customer offer selection tracking
Components:
Credit Product entity (product definitions)
Additives (product variations)
Offer Engine (pricing calculation scripts)
Offer entity (personalized offers)
Configuration:
SDK (Development team): Offer Engine & Credit Products
Admin Panel: Credit Products and Pricing
Servicing Core
What it does: Manages active loans including payment processing, schedule maintenance, and account modifications.
Key Functions:
Automated payment posting and allocation
Interest calculation and balance tracking
Payment schedule generation and adjustments
Loan modification workflows (restructuring, holidays, refinancing)
Covenant monitoring and enforcement
Delinquency management
Components:
Loan entity (active loan records)
Transaction framework (payment processing)
Schedule engine (amortization calculations)
Covenant rules (monitoring triggers)
Configuration:
SDK (Development team): Credit Management System, Credit Operations, Payment Transactions
Admin Panel: Loan Servicing, Covenants
Integration Layer
What it does: Connects TimveroOS with external systems for data exchange and service orchestration.
Key Functions:
Real-time data source calls (credit bureaus, open banking)
Core system synchronization (accounting, payments)
Third-party service integration (KYC, fraud detection, valuations)
Communication channel management (email, SMS, portals)
Components:
Data Sources (configured external connections)
Mappings (field transformations)
Feature Store (data aggregation)
Metrics Engine (calculated attributes)
Configuration:
SDK (Development team): DataSource Integration
Admin Panel: Data Integration
Module Integration Example
Complete Digital Lending Journey
Step 1: Application Submission (Origination Engine)
Customer applies online for personal loan
System captures application data and stores in Application entity
Business Process determines next stage
Step 2: Initial Assessment (Risk Framework + Integration Layer)
Preliminary workflow executes using internal data
System fetches credit bureau report via Data Source
Automated decision: approve, decline, or route to detailed assessment
Step 3: Detailed Scoring (Risk Framework)
Detailed workflow analyzes complete applicant profile
Feature Store calculates risk attributes
Mappings transform external data for scoring
Automated decision with risk categorization
Step 4: Offer Generation (Product Engine + Risk Framework)
Offer Engine scripts calculate personalized pricing
Multiple offer variations generated
Customer selects preferred terms
Offer recorded in system
Step 5: Loan Activation (Origination Engine → Servicing Core)
Approved application creates Loan entity
Servicing Core generates payment schedule
Document generation triggered
Customer receives loan documentation
Step 6: Ongoing Servicing (Servicing Core)
Automated payment collection and posting
Real-time balance updates after each transaction
Covenant monitoring checks compliance
Delinquency workflows trigger if payment missed
Configuration Approach
Each module provides configuration through two channels:
SDK Configuration (Development team)
Entity structure
Integration setup
Status definitions
Business Process stages
Custom calculation logic
Admin Panel Configuration (Business users)
Product parameters
Workflow design
Decision thresholds
Templates and notifications
User and role setup
Next Steps
Understand how modules support your lending process
Review Configuration Approach for setup methodology
Explore Lending Process for business workflows
Study Credit Products for product configuration
Related Topics
Lending Process - How modules support origination and servicing
System Entities - Data structures used by modules
Decision Configuration - Workflow and risk setup details
TimveroOS: Modular architecture for lending automation
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