Unified Branch Assist - Simplifying Onboarding Journeys with Automation

16th January 2024


Picture a financial institution handling credit lending on the brink of a pivotal transformation. An administrator stands at the epicenter, tasked with configuring intricate systems to ensure a seamless user experience. This is where Unified Branch Assist steps in as a game-changer, transcending generic solutions. It transforms complex configurations by leveraging user-friendly interfaces and efficient processes, laying the foundation for a revolutionary onboarding experience.

Unified Branch Assist (UBA), also known as Branch Portal or Unified Sales Assist, stands at the forefront of simplifying onboarding journeys for clients in the financial sector. This centralized platform provided by Perfios offers a transformative Business-to-Business (B2B) interface, streamlining credit underwriting decision-making for credit managers, Direct Selling Agents (DSAs), and other stakeholders in the journey.

Feature - Rich UBA Portal

In this blog, we will delve into the key functionalities and user roles within UBA, emphasizing how it simplifies onboarding processes through advanced automation.

Who can use Unified Branch Assist (UBA)?

Pre-integrated with products from the Perfios suite, UBA plays a facilitative role in cutting down repetitive tasks for credit personnel, lenders, and other stakeholders and enhancing due diligence checks in the lending journey. Here’s a breakdown of the user types supported by the Unified Branch Assist:

1. Admin User: Configuring the Lending Journey

Admin users wield the power to configure the UBA portal, making it a versatile and adaptable tool for their clients. Configuration changes, such as user creation, access control, and adjustments to fields/pages, can be seamlessly executed by admin users. This level of control extends to overseeing activities and loan entries created by other users, enhancing the overall transparency and accountability of the system. Admin users also play a pivotal role in generating comprehensive reports, providing a bird's eye view of the activities of every user in the UBA portal.

2. CPA/DSA/RM User: Empowering the Intermediaries

For Credit Processing Agents (CPA), Digital Sales Agents (DSA), and Relationship Managers (RM), UBA catalyzes streamlining borrower interactions. These users can register on the UBA portal, gaining approval from admin users to initiate borrower dealings. The platform facilitates efficient communication with borrowers, allowing for the seamless capture of information and documentation. This not only expedites the loan application process but also ensures that user interactions are optimized for a positive experience.

Unveiling the Core Functionalities of UBA:

1. Centralized Loan Entry: A Hub of Information

At the heart of UBA lies its ability to serve as a centralized hub for clients to create loan entries. The platform enables the collection of vital borrower information and documents, streamlining the onboarding process. This centralized approach minimizes redundancies, ensuring that clients have a unified and organized dataset for each borrower.

2. Report Generation: Informed Decision-Making

UBA's prowess extends to report generation, a critical component for clients seeking comprehensive insights. By fetching and verifying provided information, UBA empowers clients to generate diverse reports. These reports serve as a foundation for informed decision-making, providing a holistic view of borrower details. From bank statement analysis to cross-analysis reports (CAM), UBA ensures that clients have the necessary information to make sound credit decisions.

UBA in Action: Impact on Onboarding Journeys

1. Efficiency in User Onboarding:

The onboarding process for UBA users is marked by efficiency and ease. Admin users can swiftly configure the portal to align with client requirements, while CPA/DSA/RM users experience a seamless registration and approval process.

2. User-Specific Benefits:

Admin Users: Enjoy heightened control and oversight, enhancing their ability to manage and configure the UBA portal according to dynamic client needs.

CPA/DSA/RM Users: Witness streamlined borrower interactions, reducing the time and effort required for capturing information and facilitating a smoother loan application process.

Looking Ahead: Future Developments and Integration

UBA's commitment to excellence is evident in its continuous evolution to meet industry needs and technological advancements. The platform's integration capabilities with other systems and services contribute to a seamless user experience. Through iterative improvement based on user feedback, UBA not only addresses current challenges in onboarding processes but positions itself as a forward-looking solution ready to embrace future developments.

Acknowledging the sensitivity of borrower and client information, UBA consolidates advanced Loan Origination System functionalities in one place and prioritizes security measures. The platform adheres to industry standards and certifications, ensuring the confidentiality and integrity of data throughout the onboarding journey.

Conclusion: UBA - A Catalyst for Transformation

Unified Branch Assist emerges as a catalyst for transforming onboarding journeys in the financial sector. By providing a centralized hub with user-specific functionalities, UBA streamlines processes, enhances decision-making capabilities, and ensures a positive experience for all stakeholders. As the financial landscape continues to evolve, UBA stands resilient, ready to simplify onboarding journeys with its advanced automation and user-centric approach.

In the next installment of our series, we will delve deeper into specific features, shedding light on how UBA addresses unique challenges faced by clients in the financial industry. Stay tuned for an in-depth exploration of Unified Branch Assist's capabilities.

About Perfios:

Perfios Software Solutions is India’s largest SaaS-based B2B fintech software company enabling 1000+ FIs to take informed decisions in real-time. Headquartered in mumbai, India, Perfios specializes in real-time credit decisioning, analytics, onboarding automation, due diligence, monitoring, litigation automation, and more.

Perfios’ core data platform has been built to aggregate and analyze both structured and unstructured data and provide vertical solutions combining both consented and public data for the BFSI space catering to their stringent Scale Performance, Security, and other SLA requirements.

You can write to us at connect@perfios.com

For more Such information contact us@ https://solutions.perfios.com/request-for-demo

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