System Components
Comprehensive Lending Automation Modules
timveroOS provides lending automation through specialized modules that integrate to form a unified lending platform. Each module delivers specific capabilities that adapt to your institution's requirements through configuration.
Core Business Modules
Origination Engine: Complete Application Lifecycle Orchestration
The Origination Engine represents the integrated functionality of the platform's core origination components (Business Process management, Application handling, Participant workflows, and Assessment coordination) working together to deliver end-to-end application processing automation.
Key Capabilities:
Multi-Channel Application Support: Accept applications through branch, online, mobile, and partner channels with unified processing
Intelligent Business Process and Workflows Routing: Applications automatically flow through appropriate approval paths based on product type, amount, and risk profile
Real-Time Status Visibility: All stakeholders can track application progress, reducing customer inquiries and improving satisfaction
Automated Document Collection: System identifies required documents and manages collection without manual intervention
System Capabilities: Automated application processing with configurable workflows and consistent decision execution.
Configuration details: Admin Panel - Workflow Management, Admin Panel - Document Management, Admin Panel - Credit Product and Pricing, SDK Guide - Entity Statuses, SDK Guide - Workflows Integrations, SDK Guide - Document Management, SDK Guide - Document Templates, SDK Guide - Credit Products and Pricing
Risk Framework: Configurable Decision Logic
The Risk Framework provides visual tools for creating decision strategies that combine automated scoring with manual review options, configurable through the Workflow Tool without programming requirements.
Key Capabilities:
Visual Decision Modeling: Build complex risk strategies using drag-and-drop workflow designer
Multi-Stage Assessment: Implement preliminary and detailed scoring strategies to optimize cost and customer experience
Dynamic Threshold Management: Adjust risk parameters in real-time based on portfolio performance
Integrated Manual Review: Route edge cases to specialists while maintaining automated processing for clear decisions
System Capabilities: Configurable risk strategies with visual workflow design and flexible threshold management.
Configuration details: SDK Guide - Workflows Integrations, Admin Panel - Workflow Management
Servicing Core: Loan Administration Automation
The Servicing Core automates loan administration tasks while providing tools for handling modifications, payment processing, and account management scenarios.
Key Capabilities:
Automated Payment Processing: Handle regular payments, prepayments, and partial payments according to configured rules
Dynamic Schedule Management: Generate and maintain accurate amortization schedules for any product structure
Modification Workflows: Process payment holidays, restructures, and refinances through configured workflows
Delinquency Automation: Systematic handling of past-due accounts with configurable collection strategies
System Capabilities: Automated servicing workflows with configurable payment processing and modification handling.
Configuration details: SDK Guide - Credit Management System, SDK Guide - Credit Operations, SDK Guide- Transactions, Admin Panel - Servicing Configuration, Admin Panel - Covenants
Integration Layer: Data Source Connectivity
The Integration Layer provides connectors and integration tools that consolidate data from multiple sources into unified business processes.
Key Capabilities:
Credit Bureau Integration: Real-time access to credit reports from major bureaus
Open Banking Connectivity: Leverage account data for enhanced decision making
Core System Synchronization: Maintain data consistency with existing banking platforms
Third-Party Services: Connect payment processors, document platforms, and communication channels
System Capabilities: Automated data integration with error reduction through configured validation rules.
Configuration details: SDK Guide - Data Source Integration, Admin Panel - Data Source, Admin Panel - Feature Store, Admin Panel - Metrics Engine
Module Integration: Unified Processing
timveroOS modules work together to create integrated lending processes:
Example: Complete Digital Lending Journey
Application Initiated (Origination Engine)
Customer applies online for personal loan
System captures application data and consent
Risk Assessment Triggered (Risk Framework)
Preliminary scoring using internal data
Integration Layer fetches credit bureau data
Detailed scoring generates risk profile
Offer Generation (Origination Engine + Risk Framework)
System calculates personalized offers
Customer selects preferred terms
Loan Activation (Origination to Servicing Handoff)
Approved application creates loan record
Servicing Core generates payment schedule
Customer receives loan documentation
Ongoing Administration (Servicing Core)
Automated payment collection
Real-time balance updates
Proactive delinquency management
Module integration operates through configured business rules with automated handoffs between processes.
Configuration Interfaces
Each module provides configuration interfaces accessible through the admin panel:
Origination Configuration
Define application types and required fields
Set document requirements by product, participant role, and asset type
Configure approval business process and workflows
Design customer communications
Risk Configuration
Build scoring models visually
Set decision thresholds
Define data source usage
Define data elements and create mappings for scoring analysis
Configure manual review rules
Servicing Configuration
Define payment allocation rules
Set delinquency triggers
Configure modification options
Design collection strategies
Integration Configuration
Map external data fields
Set refresh frequencies
Configure error handling
Define data quality rules
Note: Custom and additional integrations can be implemented through the SDK. See SDK Documentation for technical integration options.
System Capabilities and Architecture
timveroOS modules provide:
Concurrent Processing: Handle multiple applications through parallel workflows
Automated Operations: Configured decision execution and updates
System Reliability: Error handling and recovery mechanisms
Audit Capabilities: Transaction history and change tracking features
Implementation Steps
Identify Requirements: Determine which modules support your lending processes
Framework Setup: Set up technical integrations, data models, and core architecture
Plan Configuration: Design module integration for your workflows
Configure Modules: Use admin panel tools to set up functionality
Monitor Operations: Use analytics features to track performance
Continue to Configuration Approach to learn about timveroOS configuration capabilities.
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