The two wheeler, auto and consumer durable workflow captures origination, processing, and credit decision of all loans. The service offering includes scanning customer documents at dealer offices and integrating them with a document management system. This facilitates faster transmission of document images to a centralized hub to process the customer applications and subsequently arrive at smarter credit decisions and significantly reduce the Turn-Around-Time (TAT). The field teams can directly upload the document images to the CPC and are equipped to prepare a complete loan file (that is in conformance with the credit norms of the dealers, the KYC policies, and credit guidelines) and monitor the real-time status of the file.

CFFS Workflow

Centillion's Agri and Rural business platform, Krishidvar© has helped some of India's leading financial institutions in setting up Business Correspondent operations for processing agricultural loans for farmers and allied assets sourcing, savings account sourcing, and centralized data entry. It is a scalable platform that can accommodate the ever-increasing volumes of loan origination and disbursements, and provides opportunities for cross-selling of database gatherings. The workflow captures the agricultural loan life cycle and all details of both the borrower and the borrower's loan. Krishidvar© is an IT solution that enables the uploading of the borrower's data, identification of specific loan documents to be collected, verification of correctness and completeness of collected documents, and their submission to banks.

Krishidvar© Workflow

• Krishidvar© is a web-based proprietary platform/workflow to track the life cycle of an Agri Loan from lead identification to post disbursement.
• Turn-Around-Time (TAT) analysis of a loan file can determine bottle necks and areas of improvement to ensure faster processing and disbursement of the loan.
• Measures productivity of the field teams by tracking the performance of the BC executives at various locations.
• Has an exhaustive list of all documents that needs to be collected for a complete loan file- specific to each state in India. New document categories can be added on-the-fly.
• Tracks document collection and submission for each and every case – real time access.
• The Workflow captures the entire profile of a rural customer and presents analytics-driven cross selling opportunity to the banks.
• Web-based platform with MIS and real time, online dashboards for Anytime/Anywhere access.

Centillion's Service Point System records transactions done with bank's clients, maintains a record of the all funds remitted to various Business Correspondent Service Points (BCSPs), tracks details of surplus cash remitted by BCSPs to Centillion's account, and perform daily reconciliation of all cash transactions.

Service Point System Workflow

• Automatic reconciliation tool for quick and easy daily reconciliation.
• Web based platform with MIS and dashboard activity for Anytime/Anywhere access.
• Maintains records of all transactions and grievances from customers.
• Offers complete cash management, disbursement, and reconciliation.
• Provides cross sell opportunities of other banking products and services.
• Measures productivity of the field teams by tracking the performance of the BC executives at various locations.
• Provides real time online dashboards.

CFFS Four and Two Wheeler- Workflow

• A web based proprietary tool that captures the scanned images of customer's KYC/supporting loan documents,post sanction and post disbursement loan documents to a centralized location.
• Centralized document verification and data capture for better control and accuracy.
• Updating of CIBIL and Dedupe score and report in tool.
• Documents and data can be tagged and uploaded/downloaded to the bank's CBS for loan sanction.
• Sanction terms communication with CRE/customer in tool.
• Reduced TAT from account sourcing to account activation. TAT analysis can be done region wise, location wise etc.
• Web based tool for MIS and dashboard for real time reporting to stakeholders for Anytime/Anywhere access.
• Higher rate of First Time Right (FTR) forms hitting the bank for account activation, resulting in reduced rejections.

• Dynamic Doc Hub is a web-based platform that is used for diverse processes that encompasses imaging, document management, audit, and robust exception management.
• Centralized document workflow orchestration across cross-functional teams/departments operating from several geographic locations.
• Order routing and work assignment management
• Customizable stacking/auditing checklists.
• Exception management with real-time notification alerts.
• Ability to upload images, sort and index them on the fly, and auto sync documents in the central repository with local (LAN) document repositories using real-time replication.
• Stacking documents in a loan file as per multiple guidelines.
• Interactive web-based front end for clients to access documents and address exceptions.
• Distributed architecture for high transaction throughput and high availability requirements.
• Supports high transaction volumes in a near real-time environment with quick turnaround time requirements.
• Customizable workflow with role-based restricted secure access.
• Real-time reporting & priority management.

• The Transaction Monitoring system (TMS) captures the Finacle data in the database on a daily basis.
• An Intranet -based solution to ensure all transactions are correctly and completely accounted in the bank's system.
• Platform keeps track of all reverts between auditors and banks for error resolution.
• Platform provides for document (transaction) audit and a Quality Check, ensuring two levels of audit.
• Identifies and rectifies the exceptions/errors online.
• Ensures correct amount/account is credited/debited to the customer.
• Identifies transactions for which there are vouchers, but the entries are not reflected in the day's transaction list.
• Identifies double credits/debits with and without vouchers.
• Role/Privilege driven access to the workflow.
• Detailed MIS and reports that enables decision making by choice rather than by chance.

Transaction Monitoring System Workflow

• A web based proprietary platform that ensures all loans sanctioned follow KYC and credit policies.
• Online identification and capture of exceptions/errors while auditing.
• Online rectification and resolution of the exceptions/errors.
• Platform provides for document (transaction) audit and a Quality Check, ensuring two levels of audit.
• No ambiguity in published reports as the exceptions, reverts, and rectifications are standardized and coded into the platform.
• Role-driven/privilege-driven access to the workflow.
• Detailed online MIS and dashboards that enable decision making by choice rather than by chance.

Compliance Management System Workflow

• Application ensures operational weaknesses are identified and remediated on a continuous basis.
• Maintains and updates all the prescribed registers.
• Collection of KYC documents as per RBI guidelines in respect of all accounts and reviewing the accounts as per risk classification.
• Monitoring customer service levels as per bank's commitment and RBI's directions.
• Monitoring the overnight cash maintained by the branches so as to ensure that it is close to the standard cash retention limit.
• Updating of documentation and collection of rental regularly in SDV locker accounts.
• Monitoring of TOD, password sharing, suspense accounts, FCNR/NRE/NRO transactions, depository operations, large cash transactions, loan against gold, premature closure of accounts.
• View of expenses vouchers and maintenance of attendance and updating of leave records and specimen signature records.
• Availability of AMFI certified personnel for executing third party businesses like mutual funds, and IRDA certified personnel for executing third party businesses like insurance.
• Adherence to Information Technology procedures, generation and review of EOD / BOD reports, and binding of vouchers / housekeeping.

Branch Audit Workflow

Centillion's Document Verification Units (DVUs) are setup to verify all account opening forms and supporting documents for KYC correctness and completeness, and to submit them to the bank's CPU for opening of new account.

The activities at the DVU include:

• In-warding to check for discrepancy in the receipt of AOFs from banks branches
• Verification of KYC and supporting documents for correctness and completeness
• Entering the details of the AOFs received in a CRM tool
• Ensuring daily MIS and reporting, and customer query handling

Having a pan-India presence, Centillion can setup DVUs and provide KYC trained manpower across India. Periodic KYC compliance trainings are conducted for the auditors to achieve 99+ percent accuracy in quality maintenance. Centillion provides stakeholders daily, weekly, and monthly MIS and detailed metric-based analytics. Centillion's governance framework includes presentations and periodic internal and client reviews of the progress of the projects at all locations on a fortnightly/monthly basis.

Document Verification Unit Workflow

Centillion's KYC fulfillment services places executives trained in KYC norms at the client organization's branches for making tele-calls and for visiting customers to collect the required KYC documents.

The process involves tele-calls to customers, fixing appointments, making area-wise visits, collecting required KYC and supporting documents, and handing over collected documents to the CPU for processing. During these visits, the executives certify the photocopies given by the customers by comparing them with the originals, and in the process also verifying customer name, address, PAN card, photograph, and signature to ensure correctness and completeness of documents. The collected KYC and supporting documents can also be scanned and uploaded to a centralized hub for storage and easy retrieval. The correctness and completeness of all documents can also be checked as per the master data provided by the organization. Any shortfall or mistake can be rectified by sending the documents back for necessary correction and re-transmission. The status of collection of documents from customers is updated on daily basis in the KYC monitor system.

Centillion provides daily MIS to track and report the number of cases that have become KYC compliant directly from the system. Reports on successful and unsuccessful tele-calls and visits can also be provided to stakeholders, if required.

KYC Fulfillment Workflow

Centillion's Scanning Service can provide end-to-end scanning services to digitize physical documents and the service includes the following

• Provision of scanners and consumables for scanning and trained manpower to perform pre-scanning, scanning, and post scanning activities, indexing of required fields and metadata capture and upload the scanned images and data to a specified central storage unit where a domain-skilled central team can study the document images and ensure correctness and completeness of documents.
• Undertaking of image enhancement activities like de-skew, de-spackle, cropping and cleaning of images to ensure the quality of scanned imaged is enhanced optimally and no documents are digitized more than once.
• Dynamic, customized MIS/Dashboards/Reports on productivity and TAT are part of the service. Centillion monitors the progress and ensures the operations run smoothly without any hurdles and assures the seamless delivery via effective project management and governance.
• This system can be deployed for several purposes such as the KYC fulfillment process, CASA sourcing process, loan sourcing process and any other processes where document images have to be transmitted to a centralized hub for faster processing.

Scanning Service Workflow