Digital lending platform and state of the art credit solution

Master operational and credit risk for the whole loan lifecycle with Sopra Banking Software’s Lending Platform.

The end-to-end standardized lending software supports large-scale, in-depth, and global business coverage across any market and product.

Reduce time to market, automate processes, and create agile workflows in your financing solution to streamline loans, from origination and servicing to debt collection.

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Loan Origination system

Automate and support any loan cycle

SBS’s Loan Origination system is a ready-made lending cycle component that accelerates the initial stages of the loan process. Using application programming interfaces-first (API) loan origination software, the solution supports fully automated and collaborative workflow capabilities that serve all distribution channels. Product and pricing management is offered with a wide range of rate terms, fees, payments, and periodicities across various currencies and multiple countries.

Case management configuration
Create and maintain workflows
Portal personalization
Dynamic dashboard reporting
Operational security
Create and maintain documents

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Loan Servicing solution

Gain efficiency and control in lending operations

The Loan Servicing element of SBS’s Lending Platform empowers organizations with efficiency and control over changing requirements within their day-to-day lending operations. The solution also helps increase customer satisfaction via improved communication channels that oversee your complete book of loan products. Multiple products and flexible repayment plans are supported within Loan Servicing, as well as invoicing, repayments, changing loan agreements, and debt restructuring.

Day-to-day monitoring
Scalable and robust architecture
Personalize use of the lending software
Multiple currencies, countries, and languages
Access info needed to meet legal obligations
Improve response times to market changes

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Debt Collection software

Increase recovery rates with a preventative, 360-degree digital solution

SBS’s end-to-end Debt Collection software optimizes recovery rates by enabling organizations to take a preventative approach. This aspect of the Lending Platform offers a segmented experience based on client profiles and helps identify at-risk customers.

Automate collection processes
Cost-effective and efficient communication channels
Assess at-risk and vulnerable clients
Data-oriented and scalable by design
Engage with clients manually or automatically
Customize strategies to customers’ situations

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Whole loan lifecycle
Support the whole loan lifecycle with an end-to-end loan management system, enabling origination, servicing, and debt collection.
Highly flexible lending platform
Meet your software requirements and support the channels you need via a range of 400+ lending solution APIs, available via SBS.
Self-service bank portal
Provide easy access for resellers, dealers, and customers to manage their financial products and services.

Real-time data processing
Create automated workflows for any volume of contracts to support faster processing speeds and improve customer satisfaction.
Global-ready technology
Align all branches of your organization within a single global platform that meets local and market requirements.
Cloud-ready solution
Support digital banking processes via private, public, or hybrid cloud deployment that’s available anytime, anywhere.

Overcoming business challenges to deliver the greatest impact

How has Sopra Banking Software supported their customers via the Lending Platform?

La Banque Postale
CIH Bank
Groupe BPCE
LCL

La Banque Postale was looking for a way to manage guarantees and collaterals for personal and business lending. SBS tackled this using the Lending Platform solution, and since launching, La Banque Postale now manages the collateral for all mortgage loans, they have centralized information to share with relevant bank entities, and can guarantee the quality of data sent via reporting systems.

Customer Story

CIH Bank were looking for a solution to overcome technological obsolescence impacting their market shares, become universal, adopt a customer-centric approach reducing times to market, transform into a next generation bank. The SBS solution means they can go market a new offer in 1 month and have new agile processes, offers and pricing. Within 3 years they had over 70% new contracts signed.

Groupe BPCE began working with SBS when they were looking to replace their existing collections provision, optimise cost, standardize collection strategy and implement a smooth communication channel. Deployment took place in 24 French banks, with the first live in just 10 months. Since its implementation, they have applied a more efficient risk management process with standard strategies applied, and improving productivity.

LCL worked with SBS to create a mortgage front to back solution as well as a servicing collection and management system with a multi-currency, multi-country and multi-product approach which also shortens the time to markets. Since its launch LCL have improved operational effectiveness and their lending system interfaces with all distribution systems. They saw a ROI within 3 years.

Lending Platform

End-to-end loan lifecycle

Utilizing a modern loan management system that supports and services your products from start to finish reduces time spent transferring data between systems and forcing software to speak to each other – often at a high cost, if it’s even possible. With the SBS Lending Platform, you can service the entire loan lifecycle end-to-end, and respond to your customers’ needs in between.

Loan Origination system
Loan Servicing solution
Debt Collection software

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Regulatory changes
Respond faster to regulatory or contextual market changes, adapting to ever-changing client needs.
Modernize infrastructure
Improve business efficiency and processes, meaning organizations can automate more and spend less time focusing on manual tasks.
Decrease costs
Reduce traditionally high global IT expenditure, including entry to use the Lending Platform, infrastructure, set up, build, operational, and run costs.

New products
Add innovative products and services and enter new geographies and financial markets much faster because of reduced system limitations.
Customer retention
Improve customer retention by reducing manual intervention and offering a forward-thinking, responsive service.
Reduce losses
Having better insights into market and business data reduces potential financial and credit risks.

We have all the answers you need

Frequently asked questions

What kind of financials can be managed with Lending Lifecycle?

All types of financials can be managed with Lending Lifecycle. We have customers operating commercial, equipment, mortgage, consumer, and syndicated loans and leasing. Our solution also meets Islamic banking requirements.

Is it possible to use a single installation for several countries?

Yes, you can use a single installation to manage your financing activity in several countries or regions. The local specificities will be managed independently, but the activity will be consolidated in one place.

Are components pre-integrated, or does the customer have to do it?

Our components come pre-integrated. Therefore, you will be able to implement a full financial solution for your lending activities quickly. You can choose to implement components one-by-one, at your own pace, and benefit from the efficiency of pre-integration.