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eMACH.ai
SME, Corporate Loan Management
AI-First Loan Servicing for SME, Corporate Lending
Next-generation loan servicing that automates operations, strengthens risk controls and delivers seamless experiences across SME and Corporate lending
Case study
Built for Relationship-Led Lending
Purpose-built to support structured loans, SME portfolios, and corporate credit operations with real-time visibility, configurable workflows, and robust risk governance.
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PBCs – Packaged Business Capabilities
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Microservices
142
APIs
32
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
Managing Complex Credit Lifecycles Requires More Than Traditional Servicing
Corporate and SME lending involves complex structures, customized terms, multi-party agreements, and evolving risk profiles. Traditional loan servicing solutions fall short in handling cash flows, covenants, collateral, and relationship workflows — leading to inefficiencies and increased credit risk. Intellect’s Corporate Loan Management platform provides purpose-built capabilities to manage complexity with control, transparency, and agility.
Covenant & Risk Control
Real-time covenant tracking and violation alerts
Structured Finance Support
Manage tranches, syndication, re-pricing, and complex amortization
Collateral & Guarantee Engine
Monitor collateral valuations and guarantor exposures
Portfolio & Relationship Insights
The System of Record for Your SME, Corporate Lending Book
A robust accounting and operational engine powering the complete loan lifecycle across SME and corporate lending
eMACH.ai SME & Corporate Loan Management is a comprehensive, enterprise-grade servicing platform designed to manage the full lifecycle of corporate and SME loans with accuracy and control.
Built for lenders handling complex credit structures, the platform supports post-disbursement operations including structured repayments, interest recalculations, covenant enforcement, collateral tracking, and regulatory compliance—all within a single, unified system.
With configurable workflows, real-time accounting, and deep portfolio analytics, the solution enables banks and financial institutions to strengthen credit governance while improving operational efficiency.
Seamlessly integrated with origination, collections, treasury, and core banking systems it provides relationship managers, operations teams, and risk functions with a shared, real-time view of exposures—supporting informed decision-making across the enterprise.
AI-FIRST COMPREHENSIVE LENDING PLATFORM
Scalable, compliant, future-ready. The System of Record for your retail book.
SME, Corporate Loan Management
Financial Integrity
- Precise calculation of interest, penal charges, and tax components
- Accurate accounting and reconciliation
- Zero revenue leakage
Operational Agility
- Automate bulk events like rate resets, moratorium application
- Rescheduling and restructuring automation
- EOD operations fully automated
Accounting Accuracy
- Acts as reliable sub-ledger, pushing 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 Commercial and Corporate Loan Management across the lifecycle
1. Sophisticated Corporate Loan Lifecycle Management
- Automated loan booking, repayments, reversals and closures
- Comprehensive support for sophisticated charges, reschedules, and closures
- Multi-tranche disbursements and drawdowns
- Syndicated and participation loan support
- Flexible amortization and re-pricing schedules
Business Impact
Supports complex corporate projects by handling multi-tranche disbursements and varied repayment structures on a single instance
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. Collateral & Exposure Management
- Multi-asset collateral management
- Limit management and tracking
- Guarantor tracking and lien management
- Support for collateral revaluation
Business Impact
Minimizes credit risk through centralized exposure views, real-time margin tracking and revaluation across segments
4. 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
5. Advanced Accounting & Compliance
- Automated accruals, provisioning and classifications
- Multi-GAAP and GL integration
- Regulatory and management reporting
Business Impact
Accounting accuracy as a granular sub-ledger providing automated, multi-currency hand-offs to the GL providing instant financial visibility and bank positions
6. Debt / Collections and Risk Based Management
- Segment-based and personalized collection strategies
- Real-time loan-performance monitoring, risk-adjusted collections and recovery, customized for borrower profile
Business Impact
20% improvement in recovery rates through intelligent case allocation and personalized communication
7. Self Service Corporate Management
- Configure and manage drawdowns
- View loan statements or request statement generation digitally
- Setup and modify payment instructions
Business Impact
20% reduction in the burden on the lending back office operations due to self service capabilities offered to the corporate users
Unlock Intelligent Servicing with eMACH.ai SME, Corporate Loan Management
Commercially Intelligent, Resilient and Composable for stronger risk posture and higher profitability
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: Eliminates “hard-coding” traps, enabling rapid time-to-market across SME, Commercial, Corporate, and Agri segments.
Composable Microservices Architecture
The Difference: Every lending capability is an independent, reusable building block.
The Advantage: Banks can assemble, extend, or modify segment-specific journeys without impacting the rest of the platform, ensuring high availability and fault isolation.
Zero-Touch Event-Driven Operations
The Difference: Rule-driven automation for repayments, reversals, charges, moratorium applications, and EOD operations.
The Advantage: Achieves up to a 30% reduction in operational costs by eliminating repetitive manual servicing tasks for the complex corporate lending back office.
Hierarchical Collateral & Limit Monitoring
The Difference: Real-time margin tracking and exposure monitoring across segments, including SME, Corporate and related entities.
The Advantage: Provides a centralised portfolio exposure and drawing power, minimising credit risk and duplicate pledge exposure.
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: Enables simplified integrations allowing banks to innovate without risking the stability and enables partner-led distribution without disrupting existing systems or controls.
AI-First Lending Intelligence
The Difference: Unlike traditional systems that add AI to interfaces, agentic intelligence is embedded across the entire lifecycle, where domain-trained Digital Experts coordinate complex workflows.
The Advantage: Delivers precision-driven credit decisions and strengthens risk discipline while preserving essential human oversight.
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
AI-enabled multilingual assistant. Handles customer queries. Reduces call-center load.
- 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
Automates back-office operations. Streamlines end to end loan processing.
- 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 are the key differentiators of Intellect eMACH.ai SME,Corporate LMS ?
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 the platform reduce turnaround time (TAT) for commercial loans ?
How does the system integrate with our existing Core Banking and external data ?
It is built on a core-agnostic, API-led architecture, the system integrates seamlessly with internal General Ledgers and external GST portals, credit bureaus, and ERP systems. It features Open APIs to ensure a truly connected ecosystem without tight coupling to legacy cores.
How does the solution manage collateral and global exposure ?
The platform provides a centralized view of portfolio exposure with real-time margin tracking and collateral revaluation. It handles hierarchical limit management, ensuring that counterparty and related entity exposure is always monitored against defined risk parameters.
Delivering Tangible Impact Across Global Banks
Corporate Lender Modernizes Structured Loan Servicing
A leading corporate bank implemented Intellect’s SME & Corporate Loan Management platform to centralize servicing of structured loans, automate covenant tracking, and improve portfolio transparency—resulting in faster exception handling and stronger risk governance.
SME Bank Transforms Credit Operations at Scale
An SME-focused bank leveraged Intellect’s platform to manage diverse loan structures, collateral dependencies, and cash-flow based repayments across thousands of business customers—improving operational efficiency and credit oversight.
Recognized Excellence
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