Credit Conveyor – Lending Process Automation

Automation of credit application processing is a crucial tool for enhancing a bank's competitiveness in the financial services market. It improves customer service quality, reduces operational risks, and optimizes operational costs. Lending process management becomes more efficient, and the time required to process each application is significantly reduced.

Core Business Concept of the Solution

Cinimex has many years of experience in designing and developing scalable enterprise platforms for credit conveyor systems. These platforms enable banks to quickly launch new loan products, reduce the cost of maintaining business processes, and speed up customer service. Our solutions are built on modern technology stacks and are already successfully operating in some of the largest financial institutions in Russia.

We offer a comprehensive solution for automating the entire lending lifecycle for both individuals and legal entities.

Client Benefits

Our solution enables rapid response to market changes, offers the best terms to customers, and minimizes operating support costs. Business process efficiency is significantly improved, and customer service levels are enhanced. The solution provides centralized management of all aspects of lending operations within a single platform.

In line with import substitution initiatives, we have developed a reference architecture for the credit conveyor that includes:

Vendor Independence and Risk Mitigation

- Use of OpenSource components for business process automation

- Support for Astra Linux platform

- No licensing-required components

- Full access to source code of all system components

Fast Updates and Time-to-Market

- Built on microservices architecture

- CI/CD processes configured for automated updates

- Ability to update individual services with minimal downtime

Flexible Integration with External Systems

- Seamless integration with internal and external systems using Cinimex Integration Framework

- Support for open APIs, including for “Open Finance” and “Open Data” initiatives

Additional Features and Services

System implementation and customization to client-specific needs
Staff training on software usage
SLA-based technical support (including 24/7 support)
Development of custom solutions
Business process optimization consulting
Integration with existing IT infrastructure
Electronic document management and document storage
Reporting and analytics generation
Borrower credit history monitoring

Pricing Information

Pricing is calculated upon request and requires a description of the implementation scope or the services requested.

If you’d like to learn more about partnership opportunities with Cinimex or request a consultation, please fill out the contact form below or use the contact information available in the “Contacts” section of our website.

Ask your question

Name*

Phone*

E-mail*

Question*

I give consent to the processing of personal data

Next solution

Demand forecasting and optimization of logistics