SFS Enterprise Mobility is designed to support the Financial Sector especially those player who are providing facilities to the poor public to raise them up on their own feet. It was very hectic that organizations were not reaching to the ir borrower on time as well as were unable to collect the real time details. SFS Enterprise Mobility is a real time system that you can use on the go.
4. Process Flow (At Field Level)
Loan Application Form (LAF) data
entry will be done at the doorstep of
the clients and all the soft copies of
client related documents will be taken
by the Credit Officer along with their
GPS recordings.
Credit Officers
Data Entry
LAF document will automatically
be displayed in BM work que at
login once it is submitted by the
Credit Officer. The BM will
conduct complete client’s
appraisal by using GPS technology
available in Smart Financial Suite.
Branch Manager
Verification 01
Area Managers will conduct
complete desk appraisal and
random field appraisals as per
SOPs.
Area Manager
Verification 02
5. Process Flow (At Head Office Level)
The case then moves on to next
level that is Risk Officer
appraisal. An Independent
complete appraisal will be
ensured using GPS technology.
The data will be rechecked to
make sure its completeness,
validity and accuracy.
Risk Officer
Final Approval
Finance department will allocate
an XPIN (System Generated).
The cheques of the approved
clients will be sent to the bank
for disbursement to clients’
accounts. After uploading of the
file, the XPIN of the successful
transactions will be sent back to
branches.
Finance Department
Xpin/Cheque
As the branch is intimated for
the availability of funds against
their requested clients for
disbursement, it will provide the
XPIN Codes/Cheque to the
clients for encashment from
designated banks.
Branch Staff
Disbursement
7. Environmental friendly solution ( first step
towards paperless banking)
Based on cash flow lending/credit scoring
tool developed by M-Cril
Real-time data processing
Geo tagging of clients and tracking via google map
Reduction in Turnaround Time (TAT)
Cost effective solution for clients
On the go approvals
Environment
Digital transformation
Enhanced Customer Services Client and Staff Tracking
Portfolio Management
Real-time staff location & monitoring
Intimation to client about their loan
application status
Hassle free handling of clients related documents (softcopy)
Independent client appraisal, compliance
and audit using GPS technology
Seamless portfolio transfer
Reduce staff dependency for client tracking
Follow-up of recoveries, clients commitments
and nearby overdue clients popups
Loan application process tracking and real
time recovery posting view
Due recovery messages to clients
Salient Features of Smart FS
8. NADRA Verisys Integration
Easily traceable clients data base Reduction
in errors, mistakes and fraudulent activities
Capacitating credit officers for the
upcoming era of advance technology
Data removal (against pre-defined criteria)
from TAB once uploaded to server
Technology Advancement
Data Security
Staff Capacity Building
Transparency & Risk Mitigation
Authorized access through VPN
Connectivity
Data and app protection via launcher
Availability of online reports, especially
related with due and overdue clients
Decentralization of credit bureau enquiries
Data accuracy using OCR technology
Automatic poverty scorecard data
extraction
Different dashboard according to user rights Reduction in the risk of lost of data
(physical files)
A step towards standardization
Salient Features of Smart FS
10. High Operational Efficiency/TAT
Less Human Effort
On The go Approvals
High Data Accuracy
Portfolio Growth Overall
Mobility Features
Time Management
17. Disbursement Management
Basic Client Information
Group Formation
Loan Formation Information
Client Business Information
Details of Domestic Income
Household Facilities & Health Status
Household assets, Livestock & Cash flow
Loan Utilizer information
Guarantor Information
Attachments
Loan Submission form
18. Approval Management
Standard List of Pending Approvals
Search Member wise Approval Status
View/Print Loan Application Form
On Approval Rejection Notify to User
19. Submit Case Approval(s) Flow
Credit Officer
Branch Manager
Compliance Officer
Area Manager
Program Manager
Credit Officer Enters Data
Credit Officer Approval
Branch Manager Approval
Compliance Officer Approval
Area Manager Approval
Program Manager Approval
20. Overdue Clients View
List of all Overdue Clients
Applicant List with Detail
Show Data as per Rights
21. Nearby Clients View
View Clients during Field work
View Clients on Google Map
Trace Clients and view Detail on Google
24. Loan Tracking List Management
List of Current Loan Application in Process
Search Pending, Approved and Rejected Cases
Trace Client By CNIC and Product
25. Recovery Management
Enter Recovery individual/ Group Wise
Search Facility for Quick Data Entry
List Recover Records
