InnovaCredit Retail

Complete system for retail credit

A retail credit process involves multiple actors: applicants, back-office operators, external evaluators, specialized consultants, control bodies. Each operates with different timelines and tools. The result? Fragmented practices, incomplete documentation, continuous update requests.

InnovaCredit Retail coordinates the entire lifecycle of the credit process: from the initial application to the final disbursement. Every practice has a defined status, every document is tracked, every deadline automatically generates reminders. All involved actors have visibility on the progress status.

Request a consultation
InnovaCredit Retail

How it works

graph TD A[Initial Request] --> B[Underwriting Phase] B --> C[Evaluation] C --> D{Decision?} D -->|Approved| E[Technical Checks] D -->|Rejected| F[Case Closure] E --> G[Perfection] G --> H[Formalization] H --> I[Execution] I --> J[Archive]

Dynamic and configurable workflow. The process starts from the application and moves through customizable states: evaluation, approval, checks, formalization, execution. At each step the system automatically assigns tasks to the competent operators.

Integrated remote digital signature. All documents can be digitally signed remotely via InnovaSign. No physical travel required, completely digitalized process.

Automatic coordination between parties. Integrated appointment management, automated proposals and confirmations. Every interaction is tracked with real-time notifications.

Assessments integrated in the process. Integration with external valuation services via API. Automatic request, tracking and receipt of technical documentation. Automatic notifications to all stakeholders.

Controlled and secure execution. Automatic pre-execution checks, multiple recipient management, complete traceability. Immediate alerts in case of blocks or anomalies.

How it’s built

Architecture

Modular system with microservices architecture. REST APIs for integrations. Responsive frontend with intuitive interface. InnovaSign integrated for digital signature with multi-signer management.

Configurability

Fully customizable workflow: states, transitions, notifications, document templates. Adaptation to corporate procedures without source code modifications.

Available integrations

The system supports integrations with:

  • Corporate core systems via standard APIs
  • Document management platforms
  • Guarantee and insurance services
  • Certified communication systems
  • External assessment and valuation providers
  • Verification and quality control services

Performance and scalability

Asynchronous handling of intensive operations. Scalable system to manage high volumes of simultaneous practices.

Audit and compliance

Complete traceability of every operation. Detailed logs for audit trail. Data export for verifications and compliance. Configurable retention policies.

See also

Key Features

Workflow from application to disbursement
Existing practice renegotiation
Multi-signer remote digital signature (InnovaSign)
Valuation service integration
Appointment management and party coordination
Guarantee management and system integrations
Practice dashboard and deadline calendar
Automatic multi-channel notifications
Automatic document production
Data export and reporting

Ready to innovate?

Contact us to find out how we can help you.

Contact Us