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 Home > Products Overview > TritonTM
aa TritonTM - Lending Solution

Techworld offers cutting edge front office and back office retail banking software solutions through the KASTLE Universal Lending (formerly TRITON) system, to satisfy the multiple needs of modern-day retail and corporate lending institutions. With TRITON Universal Lending, most leading Banking, Financial Services & Insurance (BFSI) sector software provider, all your Retail Banking requirements of Origination, Servicing and Collection are met with only one product.

TritonTM

Techworld offers cutting edge front office and back office retail banking software solutions through the KASTLE Universal Lending (formerly TRITON) system, to satisfy the multiple needs of modern-day retail and corporate lending institutions.

With TRITON Universal Lending, most leading Banking, Financial Services & Insurance (BFSI) sector software provider, all your Retail Banking requirements of Origination, Servicing and Collection are met with only one product.


The TRITON Universal Lending system packs the power to help you fine-tune your offerings as per consumer demands, bring out new products regularly and quickly at low prices, and enhance service levels significantly - covering both conventional and Islamic banking. The retail banking software augments your loan volume capacities, expedites processing, and reduces operational expenses. It enhances your credit risk mitigation procedures to optimally reduce your exposure to unwarranted credit risks.

The retail banking software allows integration of business partners through a single, unified customer database and Web-based solution. TRITON Universal Lending has been developed on J2EE architecture with Oracle as the RDBMS to provide an enterprise-level architecture, which ensures large volume handling capability in a centralized environment.

  TritonTM Suite


TRITON Universal Lending Origination, our successful loan origination system, is a Web-based, workflow-driven prospecting and approval processing solution for automating the customer acquisition life-cycle of retail and corporate products, which are offered through multiple channels. The loan origination software is designed for organizations involved in any or all processes of acquisition, pre- and post-approval processing of an individual or corporate loan.

The TRITON Universal Lending loan origination system is designed to handle multi-subsidiary operations to offer multiple products. The loan origination software incorporates any number of business partners and business partner types, a feature that is preferred by organizations having Business Process Outsourcing (BPO) strategies. End-users in partner organizations can also use it.

The TRITON Universal Lending loan origination system allows you to:

  • Configure and manage your company credit policies in TRITON Universal Lending to automatically check and ensure conformance to your internal risk and credit eligibility norms
  • Manage workflows which map your business processes
  • Maintain unique workflows for each business product
  • Have multiple customer touch points to facilitate business partners
  • Track the status of each application online
  • Measure employee performance and turnaround times
  • Generate offers based on the risk profile of the customer
  • Create and manage various collaterals
  • Store and use scanned pre-approval documents to effect a paperless workflow
  • Provide secure and controlled access to users based on roles defined

TRITON Universal Lending Origination streamlines the management of:

  • Sales force
  • Leads
  • Risk policies
  • Credit policies
  • Risk-based offers
  • Hierarchy-based credit deviations
  • Verifications / valuations
  • Document images
  • Multi-stage disbursements
  • Post-disbursement documents

Manage your repayment life-cycle and account servicing procedures
TRITON Universal Lending Management, the loan management software, is a Web-based centralized architecture solution for automating the back office operations for the repayment life-cycle and loan account servicing, supported by business event based accounting transaction generation. TRITON Universal Lending loan management is ideal for the back office operations cell of user organizations, managing every activity involved in servicing a customer account right after disbursement till closure of a loan.

TRITON Universal Lending Management provides capabilities to use and manage multiple repayment instrument types for managing the repayment cycle as well as various account management activities needed for servicing specific customer needs, at any stage of repayment. TRITON Universal Lending management is a cost-effective way to manage multiple repayment types, accounts, collaterals and customer requirements with regard to various loan parameters.

The TRITON Universal Lending loan management software also helps in the identification and classification of Non-performing Loans (NPL) for both normal and restructured loans. The elaborate account management features of the loan management software, take care of varied critical aspects that include appropriation (application) and re-appropriation of receipts, reversals and re-presentation of cheques, rescheduling for part prepayment / change in interest rates / tenor or installment change request, and restructuring and compromise / settlement management.

The loan management software streamlines repayment schedules based on flat / floating / tiered interest rates.

The TRITON Universal Lending loan management software rationalizes the complete life-cycle of repayment instruments such as:
  • Post-dated cheques
  • Deduction against salary
  • Billing
  • ECS / GIRO standing instruction
  • Auto debit
  Triton Universal Lending Collection

Streamline delinquent customer / loan account management and recovery processes
TRITON Universal Lending Collection, the loan collection software, is a Web-based delinquent accounts allocation and tracking solution that automates the collection cycle, by integrating both internal and external collection agencies. The loan collection software is an ideal ally for collection officers of a user organization or any agency specializing in the collection of outstanding amounts from defaulting customers.

TRITON Universal Lending Collection's rule engine segregates customers on the basis of given parameters, ensures risk based allocation of cases among single or multiple collectors, and streamlines tracking and follow-up of customers with amounts due to the company. The system allows for multiple levels / stages of follow-up such as awareness calling, reminders, tele-calling, customer interaction such as PTP, legal notices, repossessions, etc., based on days past dues. TRITON Universal Lending Collection also facilitates initiating legal procedures, repossession and management (including release and sale) of repossessed assets

The TRITON Universal Lending loan collection software ensures smooth:
  • Data interfacing with loan management / repayment system
  • Rule-based queue management
  • Parameterized collection processing
  • Work list definition for each collector
  • Follow-up and case-tracking
  • Repossession and remarketing
  • Warehousing process
  • Legal and foreclosure process tracking

    



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