Dear Ankita,

Greetings from Softcell Technologies! As discussed, we are pleased to introduce the various
Services offered by Softcell for your kind perusal.

Softcell's journey started in 1989 and over the years, we have built deep expertise in a range of
domains. Softcell provides IT solutions to enterprise customers across the country. We believe
in delivering robust solutions in IT Security, Data Centre Technology, Cloud Management
Solutions and Engineering Solutions. Over time Softcell diversified into Softcell Software Group
and built our capabilities towards digitization and automation of Credit Lending processes
through our solutions.

All our offerings are SaaS / Cloud based modelled on an API based architecture ensuring agile
integration and quick Time to Market. We are serving many esteemed customers in this space
as mentioned below and have helped them achieve greater market share and increase their
customer base. We are working with customers to replace their old Softwares also with our
latest offerings.
(See attached file: Softcell Lending Stack_Deck.pdf)

GoNoGo - Digital Loan Origination System (LOS) - Digitized Application Form, leveraging
Artificial Intelligence the platform facilitates a credit decision in less than 10 seconds. GoNoGo
algorithms have helped our customers achieve greater than 70% straight-through decisions.
- Customer on-boarding, underwriting with built-in Modules and interfaces for third party
verifications like KYC, Credit Bureau checks etc.
- In-built Business Rule Engine (SoBRE) for Automated Credit Scoring and Decisioning
based on the input parameters.
- Analytics & Business Intelligence Module for Reporting.
- We have built the capability to define custom workflows, Web based and also Mobile App for
Mobility, Responsive Portal design, Geo-Tagging etc.
- Our unique differentiator is the 100+ OEM interfaces for products like SME Lending, Home
Loans, Consumer Durables, Two Wheelers, etc.
> Our GoNoGo LOS is serving customers such as: HDB Financial Services, TVS Credit,
Small Business Fin Credit India, Electronica Finance Limited, Five Star Business
Finance, DMI Housing etc while others like with HDFC Bank, Federal Bank, Aditya Birla
Finance, Tata Motors Finance etc. are in progress.
(See attached file: GoNoGo_Briefing_Note.pdf)

Loan Management System (LMS) with Collections - Softcell provides complete Loan
Management System with various Loan Management tools:
- Built-in Modules for Accounting, Reporting, Collections along with facilities for Pre-
payment, Foreclosure, Re-structuring, User / Customer Management, Co-Lending etc.
- Flexibility in defining various types of transaction policies, allocation priorities and
configurations.
- Enables easy simulation and execution of modification to existing loans.
- Operational Efficiency with Straight through and bulk processing capabilities.
- Provides for configuration changes at front-end User Interface (UI) without meddling with
back-end code.
> Serving customer such as: Sarvjan India Fintech while implementation going on with
customers such as SMEcorner etc.
(See attached file: LMS & Collections_Brief.pdf)

Softcell Business Rule Engine (SoBRE) - Softcell Business Rule Engine to setup logic for
Automated Decisioning:
- Facilitates setting up Custom Credit Policies, Scorecards, Rules and Eligibility Grids along
with creation of Custom fields using aggregation on individual fields from GUI.
- Eg, setting up Credit rules based on parameters such as: Applicant Demographics, fields
returned from various Third party/Bureau responses, Custom fields like DPD etc.
> Our SoBRE Rule Engine is serving customers such as: HDB Financial Services, TVS
Credit, HDFC Bank, Standard Chartered, Tata Capital, Electronica Finance Limited, Five
Star Business Finance, DMI Housing, Small Business Fin Credit India etc.

Analytics Module (CYOR) - Create Your Own Reports (CYOR) Module provides for
interactive Analytics:
- Portfolio/Location/Dealership and various other type of reportings as per your requirements.
- Provides for Custom Report creation with Drag and Drop as per selected parameters with
Map level reportings.
> Our Analytics Module is serving customers such as: HDB Financial Services, TVS Credit
etc.

MultiBureau, Softcell Smart Interfaces for KYC etc

- Neutral service provider connecting to all four credit bureaus - CRIF Highmark, Equifax, TU
CIBIL and Experian, without any bias towards any Bureau
- Policies for different Credit Bureaus hosted from single platform ensuring 100% compliance
- Configurable Rule Tree facilitates which Bureau to hit and improves bureau hit rate by 25%

Softcell Smart Interfaces provides ready-made interfaces for various Third party
services along with Analytics & Dashboard. Subscription for relevant services has to be taken
by customer and Softcell takes care of their integration. Further required integrations may be
discussed as per Customer requirements. For Aadhaar based eKYC, you must register as
AUA/KUA with UIDAI.
E.g.: Karza, Probe 42, Finfort, NSDL, Bureaus, Credit Vidya, Adroit, Perfios, Finnov, Idfyetc.
We also provide solution for Aadhaar based eKYC & Offline KYC, Geo-Tagging etc.

> Our MultiBureau application is serving customers such as: Aditya Birla Finance, Bank of
Baroda, DHFL, HDFC Bank, HDB Financial Services, LIC Housing Finance, Standard
Chartered Bank, Tata Capital, TVS Credit, Union Bank of Indiaetc.

Thanks & Regards,

Alok Kumar
___________________________________________
Softcell | 504, Mayfair Towers-I, 28, Mumbai-Pune Road
Wakdewadi, Pune - 411 005, Maharashtra.
Phone: +91 20 6600 6700 Ext: 206931 | | +91 9560138846
Office across India in Mumbai, Pune, Delhi, Chennai etc.

Web: https://www.softcell.com/about-us/