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eMACH.ai
Consumer Loan Management
AI-First Loan Servicing for Consumer Lending
A next-generation loan servicing platform that automates operations, strengthens risk control and delivers seamless customer experiences across the loan lifecycle
Case study
99.9% Platform Uptime
100+ Global Implementations
A scalable, always-on loan management platform trusted by global lenders to support mission-critical servicing operations.
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PBCs – Packaged Business Capabilities
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Microservices
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APIs
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Events
Key Trends Shaping Consumer Loan Management
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Real-Time Servicing Expectations
Automated Operations & Cost Optimization
Regulation-Heavy Compliance
AI-Driven Early Warning
Hyper-Configurable Loan Products
Deliver Smarter, Faster, Customer-Centric Loan Servicing
Consumers expect real-time, flexible, always-on loan experiences, while lenders must manage complexity, risk, and compliance at scale. Next-gen loan management platforms automate servicing, unify workflows, and deliver consistent, transparent experiences that improve efficiency and customer loyalty.
Accelerate Operations
Streamline repayments, reversals, and EOD processes with automation.
Comprehensive Lifecycle Control
Manage disbursals, schedules, closures, and modifications from a unified platform.
Risk & Compliance Enabled
Built-in provisioning, delinquency classification, and audit trails.
Superior Customer Experience
Real-time updates and self-service options across digital channels.
The System of Record for Your Consumer Lending Book
A robust accounting and operational engine powering the complete loan lifecycle
eMACH.ai Consumer Loan Management is a modern, AI-powered servicing platform that automates and orchestrates the entire loan lifecycle — from post-disbursement operations to closure — with unparalleled efficiency and control.
Built using eMACH.ai architecture principles it decouples product logic from the Core Banking System, allowing you to innovate on lending products without risking the stability of your bank’s core. The platform enables real-time processing, high configurability, event-driven automation and seamless integration with origination, collections and core banking.
By centralizing loan operations, enforcement of business rules, and automation of accruals, charges, provisioning, and reporting, lenders can strengthen credit quality controls and improve auditability.
With configurable engines, flexible product support, and seamless integration via open APIs, Consumer Loan Management delivers operational resilience, regulatory compliance, and a superior customer experience.
It manages every post-disbursal activity—repayments, interest calculation, due creation, rescheduling, delinquency management, charges, end of day and loan closures.
It supports personal loans, auto loans, mortgages, education, BNPL, overdrafts, working capital, revolving & non-revolving credit products.
AI-FIRST LOAN SERVICING PLATFORM
Scalable, compliant, future-ready. The System of Record for your retail book.
Consumer Loan Management
Financial Integrity
- Precise calculation of interest, penal charges, and tax components
- Accurate accounting and reconciliations
- Zero revenue leakage
Operational Agility
- Automate bulk events like rate resets, moratorium application
- Automate rescheduling & restructuring
- EOD operations fully automated
Accounting Accuracy
- Acts as reliable sub-ledger that pushes consolidated entries to General Ledger (GL)
- Multi-GAAP support
- Realtime balance sheets
Challenges in Modern Loan Servicing
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High Cost of Manual Servicing
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Complex Repayment Scenarios
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Delinquency Tracking & Provisioning
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Fragmented 360° Loan Visibility
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High Error Risk in Financial Entries
AI-First, Extensible and Comprehensive Loan Management across the lending lifecycle
1. Complete Lifecycle Automation
- Automated loan booking, multi-tranche disbursal, repayments, reversals and closures
- Comprehensive support for sophisticated charges, reschedules, and closures
Business Impact
30% lower operational costs through end-to-end automation of bookings, disbursals, and closures
2. Flexible Interest & Repayment Engine
- Fixed, floating, hybrid interest support
- EMI, step-up/step-down, balloon, bullet, moratorium, structured schedules across all frequencies
- Floating rate management – Automated re-pricing based on external benchmarks (MCLR, Repo, SOFR) without manual intervention
Business Impact
Hyper-configurable products supporting 100s of variations (fixed, floating, hybrid) without hard-coding
3. Delinquency & Provisioning
- Automated DPD/MPD calculation
- Delinquency classification
- Accrual stopping, income reversals
- Automated provisioning
Business Impact
Significant reduction in NPAs via automated asset classification and regulatory-aligned provisioning logic
4. Priority Allocation for Repayments
- Automatic apportioning of payments across principal, interest, fees, and charges based on product-defined priority schemes
- Configurable priority schemes to decide what gets paid first (Taxes → Fees → Interest → Principal)
Business Impact
Revenue optimization and regulatory compliance by automatically apportioning of payments
5. 360° Loan Visbility & Document Repository
- Single-window view of loan details, schedules, transactions, repayments, collateral and documentation
Business Impact
70% faster query resolution enabled by a single window view of schedules, transactions, and documents
6. Automated End-of-Day (EOD) Operations
- Daily accruals, rate resets, financial entries, and delinquency stamping — with zero manual intervention
Business Impact
Error-free financial postings through automated interest accrual, rate resets, and daily delinquency stamping
7. Multi-GAAP & GL Integration
- Granular sub-ledger with automated accounting
- Multi-currency, and multi-entity books for global banks
What Sets Us Apart in Consumer Loan Management Systems
Unlock Intelligent Servicing with eMACH.ai Consumer Loan Management, Lower Costs. Deepen Engagement. Always-on Service
Hyper-Configurable Product Engine
The Difference: Supports hundreds of product variations, interest schemes (fixed, floating, hybrid), and fee structures without manual code changes.
The Advantage: Enables rapid time-to-market for diverse offerings like Home Loans, BNPL, or Education Loans on a single platform.
Event-Driven Zero-Touch Operations
The Difference: Operations across repayments, reversals, late charges, rescheduling, provisioning, end of day are fully automated via a rule-driven engine.
The Advantage: Reduces manual servicing and operations costs by up to 30% while eliminating human error in financial entries.
Built-In Auditability and Compliance
The Difference: Every transaction, change and communication is fully traceable with user logs, timestamps, and version control.
The Advantage: Delivers precision-driven decisions and strengthens risk discipline ensuring that every action is traceable, explainable and compliant.
Real-Time Risk & Delinquency Control
The Difference: Automated asset classification and provisioning aligned with regulatory norms, including DPD/MPD calculation.
The Advantage: Significant reduction in NPAs through early warning triggers and real-time portfolio scanning to detect anomalies before they become slippage.
Seamless Ecosystem Integrations
The Difference: A channel-neutral architecture that integrates seamlessly with core banking, payments, collections, card systems, agencies and regulatory platforms through open APIs.
The Advantage: Decouples product logic from the integration logic of ecosystem, allowing banks to innovate without risking the stability of their integrations.
AI Native Autonomous Servicing
The Difference: Loan Servicing PF Digital Experts autonomously resolve routine requests, from balance inquiries to complex repayment simulations.
The Advantage: Resolves over 80% of servicing queries autonomously, reducing call center and branch load while providing 24/7 support.
Reimagine Loan Management with AI-First Digital Experts
AI transforms loan servicing and operations with dedicated Digital Experts across the post-disbursal lifecycle.
Loan Customer Service Digital Expert
Resolves over 80% of queries autonomously through smart, multilingual conversational assistance.
- 1. Customer Engagement Channel
- 2. Response to Loan Enquiries
- 3. Customer Servicing Assistant
Business Impact
- 80%+ autonomous servicing
- Multilingual, context-aware assistance
- 70% faster query resolution
- Reduced call center and branch load
Loan Operations Digital Expert
Drives operational efficiency with automated tasks, early warning signals, and real-time portfolio scanning.
- 1. Early Warning Signals
- 2. Portfolio Scanner & Event Trigger
- 3. Operations Automation
Business Impact
- Proactive risk alerts
- Early warning signals
- Real-time portfolio scanner
- Event triggers to detect anomalies
Frequently Asked Questions
What types of loan products does the platform support ?
How does the platform handle complex repayment structures ?
Can the system automate floating rate adjustments ?
How does delinquency and provisioning work ?
Is the platform configurable without coding ?
How does an "AI-First" loan servicing differ from traditional loan servicing systems ?
Traditional “pre-AI” loan servicing systems lack the velocity and intelligence to navigate modern markets as portfolios scale . eMACH.ai Consumer Loan Management embeds digital experts intelligence across the lifecycle, where domain-trained AI digital experts coordinate complex workflows—from servicing and collections to automated risk synthesis .
How does the platform reduce the operational cost of servicing ?
The platform achieves up to a 30% reduction in servicing costs by automating repetitive tasks such as repayments, interest accruals, reversals, rescheduling and EOD operations. This eliminates the need for large back-office teams to handle manual entries and reconciliation.
How does the system handle complex interest rate resets ?
The Floating Rate Management engine automates re-pricing based on external benchmarks such as MCLR, Repo, or SOFR without manual intervention. It precision-calculates interest, penal charges, and tax components like GST/VAT to ensure financial integrity.
What measures are in place to control delinquency and NPAs ?
The system uses continuous portfolio scanning to detect Early Warning Signals (EWS) and automated risk triggers in real-time . This proactive monitoring helps servicing teams detect anomalies and slippage before they become delinquencies .
Can we deploy just the AI capabilities for Loan Servicing without a total system overhaul ?
Yes. The AI Digital Experts for Loan Servicing have been designed and built using the Purple Fabric – Intellect’s Open Business Impact Enterprise AI Platform. This capability is called PF Credit and enables progressive modernization. Banks can choose to deploy specific Digital Expert capabilities incrementally or as a unified stack, allowing them to scale without disrupting existing systems or controls.
Delivering Tangible Impact Across Global Banks
El Taamir Mortgage Finance (Egypt)
Intellect’s lending suite — including Consumer Loan Management — enabled El Taamir to automate servicing and reporting, reduce processing time by 50%, improve compliance tracking, and accelerate product launches to support market growth.
Bank of Bhutan Digital Loan Processing
With Intellect’s loan management and origination systems, Bank of Bhutan customers can apply for loans anytime, anywhere on digital channels — significantly improving turnaround times and customer satisfaction.
Recognized Excellence
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