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eMACH.ai
SME, Corporate Originations
AI First Originations for SME, Corporate Lending
Unified, AI-driven originations for SME, Commercial and Corporate lending
Case study
Award-Winning Origination Automation
Recognized by industry analysts for innovative design, end-to-end automation, and digital transformation impact in retail lending.
10
PBCs – Packaged Business Capabilities
20
Microservices
50
APIs
12
Events
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Modern Lenders Aspire to Deliver Excellence
While maintaining operational excellence and driving sustainable growth
1
Frictionless Experience
Seamless Lending Journeys
Design intuitive experiences from application to disbursement.
2
Scale Efficiently
Portfolio Growth
Expand into new segments while maintaining asset quality.
3
Collaborative Ecosystems
Partner Network
Build partnerships with fintechs, merchants, and service providers.
4
Automate & Optimize
Operational Excellence
Reduce costs through intelligent workflows and automation.
5
Regulatory Adherence
Compliance & Security
Built-in compliance frameworks and complete audit trails.
6
Risk Management
Precision Analytics
Assess risk accurately, price optimally, minimize defaults.
Why Modern Loan Origination Matters
In a market shaped by rising customer expectations, fintech disruption, and increasing regulatory pressure, lenders must rethink how credit is originated. Modern, unified origination platforms replace manual and fragmented workflows with intelligent, digital processes that deliver speed, accuracy, and consistency—without compromising risk or compliance.
Faster Time-to-Decision
Automate application processing and credit evaluation to reduce turnaround times from days to minutes.
Unified Digital Journeys
Deliver seamless, end-to-end borrower experiences across channels with a single origination platform.
Smarter Credit Decisions
Leverage real-time data, analytics, and policy-driven automation for consistent and informed decisioning.
Built-In Risk & Compliance
Embed regulatory checks and policy controls across the origination lifecycle to ensure governance at scale.
Deliver Superior Credit Experiences for SMEs & Corporates
Enable faster access to credit with streamlined onboarding and rapid loan disbursements
eMACH.ai SME, Corporate Loan Originations is an AI-first, composable and cloud native product built to digitize and orchestrate the entire commercial and corporate credit origination lifecycle—from the first customer interaction to the final credit approval
It is designed to address the unique complexity of SME, mid-corporate, and large corporate lending through configurable workflows, deep data automation, and embedded intelligence.
It brings together relationship management, data aggregation and credit appraisal on one solution. Underwriting, risk evaluation, policy enforcement and approvals are seamlessly orchestrated in a unified origination experience.
With built-in analytics, AI-powered credit scoring and seamless integration to downstream systems, lenders can unlock straight-through processing, reduce operational costs, and consistently deliver fast, transparent loan experiences — improving both borrower satisfaction and portfolio performance.
AI-FIRST SME, CORPORATE LENDING ORIGINATION
A unified platform that digitizes every step—from application intake to underwriting and disbursal initiation
SME, Corporate Originations
Contextual Data Capture
- Real-time enrichment
- Multi-channel consistency
- Automated validations
Policy-Driven Checks
- Rule-based routing
- Automated compliance
- Deviation handling
Straight-Through Decisioning
- Instant approvals
- AI-powered insights
- Transparent tracking
AI-First Intelligent Origination Platforms for SME, Corporate Lending
A unified, composable, AI-first origination product designed to address the unique complexities of SME, Commercial and Large Corporate lending
1. End to End Omnichannel Digital Origination
- Supports multiple origination channels—branch, RM-assisted, partner-led, digital, and API-led
- Harmonizes diverse workflows across SME, mid-market, corporate, and supply-chain credit
- Offers intuitive digital application capture with dynamic forms and smart validation
Business Impact
Anywhere Sourcing –Maximizes market expansion and sales productivity by syncing with the digital-native customer
2. AI-First Financial Analysis
- Auto-ingests and reads data from audited financials, tax systems (GST), and bank statements to perform ratio and trend analysis
- .Performs AI-powered financial spreading, ratio analysis, trend evaluation, and early red-flag identification
- Normalizes multi-entity or group financials for consolidated credit assessment
Business Impact
60% Manual Effort Reduction – Eliminates slow, manual data entry, allowing credit teams to focus on strategic analysis rather than data typing
3. 360-Degree Group Exposure View
- A single-screen view of complete SME or Corporate profiles, including real-time visibility into group-level obligations and guarantees
Business Impact
Informed Decision Making – Provides a true 360-degree view of portfolio exposure, minimising credit risk across related entities
4. Configurable, Policy-Aligned Workflows
- No-code platform to configure credit policies, approval matrices, multi-level routing, and workflow variations
- Support multi-product, multi-entity, and multi-geography origination structures
- Seamlessly accommodate specialized credit like working capital, term loans, project finance, structured finance, trade finance, etc
Business Impact
Agile Market Response –Modify credit policies or launch new products in minutes without IT involvement, ensuring rapid adaptation to regulatory changes
5. AI First Digital Experts
- Powered by the PF Credit suite, AI digital experts automate data extraction, risk scoring, and early red-flag identification
Business Impact
20% Reduction in Past-Due Loans – Proactive detection of potential losses and fraud patterns before capital is committed in the origination cycle itself
6. Digital Document & Compliance Management
- Digital document upload, digital data extraction, checklists, verification workflows, and trackable exceptions
- e-Signature support, audit trails, policy enforcement, and regulatory compliance built into the journey
Business Impact
First-Time-Right Accuracy – Automates discrepancy checks to ensure consistent policy execution and audit-ready records
7. Relationship Manager (RM) Empowerment
- A dedicated RM dashboard with customer insights, financial position, document status, risk indicators, and approval progress
- AI‑powered digital experts to help RMs capture, validate, and process application data faster
Business Impact
Enhanced Sales Productivity – Provides RMs with the strategic knowledge and tools to provide consultative advice rather than just administrative support
8. API-Driven Ecosystem Connectivity
- Seamlessly connects with credit bureaus, national registries, KYC partners, ERP systems with fine grained APIs
- Connects with internal systems across limit management, collateral management, customer onboarding/KYC, document management, CRM, core banking & loan management systems
- Ensures real-time visibility of exposures, collateral, securities, guarantees, and group-level obligations
Business Impact
Zero-Waste Architecture – Reduces data fragmentation by creating a truly connected origination ecosystem that grows with the bank
9. Advanced Credit Scoring & Analytics
- Utilizes internal and external scorecards, behavioral analysis, and automated covenant validation
Business Impact
Enhanced Credit Quality – Leverages big data for sophisticated risk forecasting, changing the essence of decision-making
10. Seamless Booking & LMS Handoff
- Automated handoff on approval of sanitized and validated data directly to Loan Management Systems (LMS) or Core Banking
- Ensuring continuity from origination → underwriting → approval → booking without redundancy or data loss
Business Impact
Eliminated Settlement Risk – Ensures continuity from origination to booking without manual redundancy or data loss
Unlock SME & Corporate Lending Portfolio Growth with eMACH.ai SME, Corporate Loan Originations
AI-first modern lending platform transforming each step of your credit lifecycle with robust configurability and automation
Reimagine SME, Corporate Originations with AI-First Digital Experts
Transform credit operations with embedded intelligence
Loan Originations Digital Expert
Resolves over 80% of queries autonomously through smart, multilingual conversational assistance.
- 1. Unstructured application sourcing
- 2. Document extraction
- 3. RM and Customer Assistant
Business Impact
10X faster onboarding driven by AI
60% reduction in manual data entry
Higher First-Time-Right submissions
Loan Underwriting Digital Expert
Resolves over 80% of queries autonomously through smart, multilingual conversational assistance.
1. Contextual understanding for underwriters
2. Automated CAM summary generation
3. Risk insights and deviation management
Business Impact
Higher First-Time-Right submissions
Faster credit decisioning through AI-led insights
Sharper customer and RM experience
Frequently Asked Questions
What is Intellect’s Commercial Loan Origination Solution ?
eMACH.ai SME, Corporate Origination is an AI-first, composable platform that digitizes the end-to-end onboarding journey for SME and Corporates. It orchestrates the entire credit lifecycle—from first interaction and data aggregation to underwriting, appraisal, multi-level approvals and seamless handover to downstream loan management systems.
How does the platform reduce turnaround time (TAT) for complex corporate loans ?
The platform cuts TAT significantly by automating time-consuming tasks like financial spreading, documentation checks, and credit appraisal. By using parallel processing tracks, legal, valuation, and credit teams can work on the same file simultaneously, eliminating the “back-and-forth” delays common in legacy systems.
Can the platform handle complex multi-entity or group structures ?
Yes. Unlike retail-focused platforms, this solution is built for commercial and corporate complexity . It natively supports multi-entity, multi-borrower, and multi-product deals, providing both consolidated and entity-level financial views for a true 360-degree assessment of group exposure.
How does AI enhance the underwriting process for corporate credit ?
Our AI first “Digital Experts” automate high-effort tasks:
Financial Spreading: Auto-ingesting data from bank statements and tax systems.
Risk Evaluation: Automating scoring, anomaly detection, and early warning signals .
CAM Generation: Standardizing Credit Assessment Memos with auto-generated insights and recommendations.
Can we configure credit policies and workflows without coding ?
Absolutely. The platform features a No-Code Rule Engine and a BPMN-based workflow designer . This empowers business teams to modify approval hierarchies, risk guardrails, and routing rules without waiting for IT support, ensuring rapid adaptation to regulatory shifts.
How does the platform integrate with our existing Core Banking and external data sources ?
Built on Open API standards, the platform connects effortlessly with internal systems (Core Banking, CRM, LMS) and external providers . It features fine grained APIs and out-of-the-box adapters for GST/Tax portals, credit bureaus, bank statement analyzers, and ERP systems.
How is documentation and compliance managed in the digital journey ?
The platform automates document ingestion and uses AI based extraction to validate data against digital checklists . It includes e-signature workflows, policy enforcement triggers, and complete audit trails to ensure every loan is compliant and regulatory-ready.
Does the platform support different types of origination channels ?
Yes. It provides a unified experience across all channels: RM-assisted (via specialized dashboards), Branch-assisted, Digital self-service, and API-led partner origination for ecosystem lending.
What happens once a corporate loan is approved ?
The system ensures a frictionless handoff to downstream systems . It sends sanitized, validated data directly to Loan Management Systems (LMS) or Core Banking, eliminating manual data re-entry and ensuring continuity from approval to booking.
Is the solution integrated with limit management, collateral, and LMS modules ?
Yes. It natively connects with exposure management, collateral systems, and downstream loan management platforms for seamless, end‑to‑end credit lifecycle management.
Is the architecture scalable for large-volume SME and corporate portfolios ?
Yes. The platform is built on eMACH.ai architecture it is cloud-native and microservices based. It is proven for high-volume environments to support 10,000+ users and is public, private, and hybrid cloud ready.
Delivering Tangible Impact Across Global Banks
SME & Retail Lending Transformation
A leading institution implemented Intellect’s lending platform, including originations, to support a unified credit lifecycle with automated decisioning and configurable workflows — delivering measurable cycle-time improvements and enhanced compliance.
Intelligent Cloud Origination
Intellect’s CBX-O platform empowers lenders with intelligent credit decisioning and data automation, resulting in faster decisions, reduced manual effort, and improved customer experience. Built on cloud and designed for agility, CBX-O integrates real-time analytics and business policy engines.
Recognized Excellence
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