Softcell

SSG

Automation, AI and more

We excel in unique applications that empower

customers to lend effectively and easily
Softcell is one-of-its-kind Softcell SSG

Digital LOS
• Softcell is the only player that delivers a unique Product /
combination of ‘must have’ business competencies that no Platform Players
provider has managed to invent or nurture
• The Solutions are extremely beneficial to customers in their
lending operations and enable them to maximize their profits
Consulting
• There are no direct competitors to the
products of the Company
VS Players

• Provided as a SaaS to the customers and

configured to work at an extremely high speed
• Radically altered time-to-value and ROI Custom product
developers
• 3+ years of ground breaking invention
• Deep domain expertise and unmatched technology
Comprehensive product portfolio Softcell SSG

Information Enabler Products Decision Enabler Products

Quick access, save time Empower, decide, increase profits

MultiBureau eKYC SoBRE GoNoGo

Adoption Customer Experience API Driven

• Fintech Partner Integrations • Responsive UI
• Headless Integration
• Third Party Data Look-up • Mobile First
• Published API Framework
• Configurable rule engine • Rich visualization
• Full BI feature

Artificial Intelligence Horizontal Scaling Security

• Deep learning • Incremental Hardware • In-built Security
• Math-driven models • 24X7 Monitoring • End to End Audit Trial
• Leverage digital exhaust • Global Load Balancer • Compliance and Legal
Multiple Manifestations Softcell SSG

Customer on boarding for

16 products
Lead to Disbursement Softcell SSG

Enables real-time risk assessment

and in-principle approvals
 GoNoGo - Differentiators Softcell SSG

GoGoNo Differentiator Business Benefits

• Independently deployed restful web-services stacked to scale horizontally

1 Microservices architecture
• Modular architecture with loosely coupled services (as against monolithic legacy platforms)

• Designed for rapid roll-out and adoption across channels

2 Mobile first
• Offline and online mode to address network related challenges across Tier 2/3 cities

• Business Rules Engine to define Customer Scorecards, Eligibility GRIDS, Deviations etc
3 Algorithmic decisions
• Enable 90% STP decisioning with optimised underwriter spread for low ticket loans

• 48+ OEM interfaces, 60+ Utility data points, 37 Bureaus integrations, 15+ other sources
4 OEM / 3PI Interfaces
• Interface performance KPI and statistics

• Horizontal scaling means more throughput can be achieved by adding more machines
5 Built for scale
• Zero software dependency to support higher volumes for the business

• Ability to create patterns on Sales Officer, Dealerships, Products, Manufacturer data

6 AI & ML
• Design machine learning algorithms using the alternate data sources
SoBRE – Algorithmic Rule & Decision Engine Softcell SSG
Rule-based solution to enable instant decision making to lend

Bureau Data Analytics &

Computation

Scoring
Application
Form Data

Decisioning

Masters
Eligibility

3PI Data Policy

Machine Learning
Domain Architecture Softcell SSG
Domain Architecture Softcell SSG
Softcell SSG
Technical Architecture Softcell SSG
Validation APIs Softcell SSG
Third Party Interfaces Softcell SSG
Data Aggregators Softcell SSG
Customers Softcell SSG
Implementation References
Softcell SSG

GoNoGo
Loan Origination

MultiBureau
Bureau Connector

SoBRE
Scoring Solution
Product Road Map Softcell SSG
Upcoming Products

CYOR PortView LeMans

• Analytics platform for • Portfolio analytics for • Digital sourcing of leads
comprehensive reporting risk office across channels and
• Can be an independent • Provides real-time insight qualification engine
reporting engine or can be into the portfolio • Geo-tagging for the FOS and
bolt-on to GoNoGo CPV agents to drive accuracy

rmView Merchant Onboarding Card Products

• Digital analytics channel for • Enable real-time risk assessment • Credit Card management solution
the Relationship Manager and due diligence of new with real-time execution capabilities
• Enables them to engage and merchants. • Broadly include on-boarding
sell additional services to the • Onboard merchants in line with (card & merchant), credit decision
customers in a portfolio their size and segment and lifecycle management