Oracle Banking Retail Lending Servicing Cloud Service

Multilayered product definition

Create a wide range of loan products (both secured and unsecured) with a sophisticated multilayered definition structure. Drive maximum product variation with minimal effort and significantly accelerate time to market.

Flexible business components

Leverage flexible definitions of product business components, such as principal, interest, and fees, and layer these definitions across main, segment-specific, and highly targeted customer segments.

Adapt to business needs

Rapidly develop and deploy tailored lending products to meet diverse customer needs and adapt to market changes.

Flexible interest and fee definitions

Use a flexible, diverse range of interest and fee definitions, including dynamic market-linked rates, granular pricing strategies, code-based tiers, and personalized relationship pricing.

Automated fee calculation

Automate fee calculations based on defined rules to facilitate consistency and compliance. Leverage granular control over revenue recognition, optimize loan revenue streams, and improve profitability.

Support for complex pricing scenarios

Leverage complex interest scenarios with configurable parameters and accurate calculations. Roll out sophisticated pricing strategies, accurate interest calculations, and transparent, automated fee structures tailored to specific events.

Seamless disbursement

Disburse funds through automated and flexible methods. Support various loan structures and define complex repayment schedules. Leverage robust collateral linkage and liability management for effective risk mitigation.

Streamlined billing and repayments

Automate bill generation for various loan stages. Roll out flexible repayment options, including automated payment instructions and instant payoff quotes, that provide borrowers with convenience and flexibility.

Agile loan management

Easily adjust loan terms based on borrower needs with streamlined amendments, restructuring programs, interest rate changes, and fee waivers. Efficiently handle specific scenarios, including backdating for historical accuracy.

Asset classification

Precisely classify assets based on repayment status and risk profiles to detect delinquencies early, minimize potential losses, and enhance accuracy when tracking loan performance.

Asset provisioning

Provision assets dynamically based on key parameters to accurately estimate loss and facilitate regulatory compliance with international standards.

Appropriation sequencing

Use tailored appropriation sequencing to prioritize customer needs, boost customer satisfaction, and optimize fund allocation to minimize losses.

Out-of-the-box compliance

Get built-in support for compliance with key US market regulations. Leverage easy configurability to adapt to evolving regulations.