Lend more. Lend smarter. Launch faster.
One configurable lending engine for every product type, from a 30-day microloan to a multi-year SME facility. Parameterised, not hard-coded. AI-native by design. And fast enough to respond to market opportunities before they close.
A lending engine built for growth and the governance to sustain it.
The lending operations of a financial institution in an emerging market look very different from those of a bank in Western Europe. Borrowers are often thin-file or no-file, creditworthy but invisible to traditional scoring models. Products need to be flexible enough to serve a market trader's seven-day working capital need and an SME owner's 24-month expansion loan. Collections need to work across mobile, agent and USSD channels. And portfolio risk needs to be visible in real time, not in next week's report.
Oradian's loans module was designed for this environment. Every capability, from product configuration to origination workflow to portfolio analytics, reflects the operational realities of institutions lending at scale in markets where the infrastructure, the borrower base and the regulatory environment are fundamentally different from the markets most core banking platforms were designed for.
And because the loans module shares a data model and a ledger with every other module, the loan data your credit team needs for underwriting is the same data your risk team is monitoring for portfolio health and the same data your AI models are training on.
One configurable engine. Every lending product.
Any loan product, parameterised, not hard-coded
Term loans, revolving credit lines, group loans, salary loans, BNPL, asset finance, overdrafts and microloans, all configured through the same parameterisation layer. Define product rules, the amortisation schedule, the fee structure and eligibility criteria without writing code. New lending opportunities launch in days, not months.
Flexible schedules for real borrower behaviour
Custom amortisation models, grace periods, balloon payments, variable fee structures and early repayment options. Loan schedules that reflect actual cash flow patterns, not the idealised behaviour of a textbook product. A direct driver of repayment rates and customer satisfaction.
End-to-end workflow in one system
Origination, credit assessment, disbursement, repayment collection, arrears management and write-off, all within the same platform, with the same customer record, posting to the same ledger. No handoffs. No data re-entered. No reconciliation between origination and core.
Pluggable scoring and bureau integration
Built-in credit scoring with the flexibility to connect your own internal models, third-party bureaus or alternative data providers through open APIs. Scoring logic is configurable, versioned and auditable, your risk team controls the model, not the platform vendor.
Real-time portfolio visibility
Portfolio-at-risk (PAR), vintage analysis, cohort performance, delinquency trends and concentration risk, available in real time from the reporting layer and from Database Access. Intervene as deterioration develops, not when it appears in next week's report.
Group lending and solidarity models
Built-in support for group lending methodologies, solidarity groups, village banking and cooperative lending structures, with member-level tracking and group-level risk management. Out of the box, not through custom development.
Where AI makes the biggest difference in your loan portfolio.
AI credit scoring for thin-file borrowers
Alternative data, mobile wallet transactions, utility payments, telco usage patterns, e-commerce activity, can assess creditworthiness for borrowers without a formal credit history. On Oradian, this data connects through open APIs and AI models run through the pluggable scoring layer. More qualified borrowers approved. Lower default rates. Access to segments your competitors can't reach.
Real-time collections intelligence
AI models that analyse repayment history, transaction behaviour and external signals distinguish borrowers likely to self-cure from those who need proactive outreach and prioritise collections effort accordingly. Feeds directly into collections workflows from the real-time portfolio data layer.
Early warning signals
Declining transaction frequency, falling balances, changes in income patterns, these precede loan delinquency by weeks. AI models that monitor them from the live transaction stream can trigger proactive interventions before a payment is missed. Runs from Database Access, continuously updated, never competing with production.
Lend at scale, lend with control.
Configurable lending across products, terms and risk profiles. From microloans to SME financing.
Talk to our lending team