LOS - Tailor Made

Your Loan Product. Your LOS.
Zero Compromise.

No NBFC is identical. Your credit policy, your loan products, your borrower segments, your compliance requirements  they’re yours. UltraBanker’s Tailor Made LOS lets you start with our battle-tested origination engine and configure every workflow, rule, document, and integration to match exactly how you lend. No workarounds. No compromises.

Agriculture & Kisan Loans

Seasonal income, land record integration, KCC-style revolving credit

Jewel / Gold Loans

Assaying integration, purity-based LTV, digital pledge & release workflows

Education Loans

Institution verification, course fee validation, moratorium scheduling

Green / Solar Loans

Equipment-backed finance with vendor empanelment and ESG reporting

Retail Consumer Finance

POS lending, BNPL, merchant-linked consumer credit with instant decisioning

Healthcare Finance

Hospital empanelment, procedure-based loans, insurance coordination

Why Generic LOS Platforms Fail Innovative NBFCs

India’s most innovative NBFCs don’t lend like everyone else. They serve agricultural communities, urban micro-entrepreneurs, specific industry verticals, or underserved demographics with loan products the mainstream hasn’t cracked. A generic LOS built for plain-vanilla personal loans or home loans becomes a constraint  forcing your business to adapt to the software instead of the software adapting to your business. UltraBanker’s Tailor Made LOS flips this. We configure the platform to match your product, your policy, and your people so you can lend on your terms.

What We Can Configure for You

Every Layer. Fully Configurable.

UltraBanker’s origination engine has configuration handles at every level — from borrower intake to credit decisioning, documentation to integration.
01
Application Form Builder
Application Form Builder
Design your own application journey custom fields, conditional logic, dynamic document checklists, and borrower-specific intake flows for every loan product you offer.
02
Credit Policy Engine
Credit Policy Engine
Configure your delegation of authority, credit rules, auto-approval limits, and risk flag definitions. Your credit policy runs as code consistently, auditably, at scale.
03
LTV & Collateral Matrix
LTV & Collateral Matrix
Define asset class haircuts, collateral type rules, and LTV thresholds specific to your loan product. Multiple LTV matrices for different borrower segments — all configurable.
04
Workflow Designer
Workflow Designer
Build multi-step credit approval workflows with visual drag-and-drop. Define who reviews what, in what sequence, with what authority your exact lending process, automated.
05
Document Template Engine
Document Template Engine
Design loan agreements, sanction letters, NOCs, and compliance documents in your NBFC's exact format. Dynamic field population from loan data — zero manual document preparation.
06
Custom Integration Layer
Custom Integration Layer
Need to connect a sector-specific data source, government API, or custom valuation platform? Our integration layer supports REST APIs, webhooks, and SFTP-based data exchange.
07
Custom AI Scoring Rules
Custom AI Scoring Rules
Define your own pre-screening logic, risk scoring weights, and bureau-plus-alternate-data scoring models. AI decisioning that reflects your credit philosophy not a generic rulebook.
08
Borrower Journey Design
Borrower Journey Design
White-label borrower app and web portal with your NBFC branding. Configure the intake experience digital, agent-assisted, or hybrid for every channel you operate.
09
Reporting & MIS Configurator
Reporting & MIS Configurator
Custom dashboards, credit committee reports, regulatory MIS, and portfolio analytics designed to your data requirements, not our default templates.
How We Build Your Custom LOS

From Discovery to Go-Live in 6–10 Weeks

A structured co-design process that ensures your LOS is configured right the first time  without months of back-and-forth.

Product Discovery Workshop
Product Discovery Workshop

2-day deep dive with your credit and ops teams we map every loan product, borrower segment, and credit workflow your NBFC runs today and plans for tomorrow

Configuration Blueprint
Configuration Blueprint

We deliver a detailed LOS configuration document — workflows, rules, documents, integrations — for your review and sign-off before a single line of config is written

Build & UAT
Build & UAT

Configuration sprint with 3 rounds of UAT your credit officers test the system against real loan scenarios until it matches your workflow exactly

Go-Live & Support
Go-Live & Support

Phased rollout with dedicated implementation support we're with you through the first 60 days of live operations to ensure smooth adoption

Start with a Free LOS Configuration Consultation

Tell us about your loan products, borrower segments, credit policy, and current pain points. Our solutions team will map your requirements to UltraBanker capabilities and show you exactly what a configured LOS would look like for your NBFC  before any commitment.

Why NBFCs Choose Tailor Made Over Generic Platforms

Your Business Deserves Software That Fits

These are the most common things we hear from NBFCs switching from generic platforms to UltraBanker Tailor Made LOS:

The platform finally matches how we actually lend

No more workarounds, manual steps outside the system, or shadow Excel sheets. Your LOS becomes the single source of truth for every loan file.

We can change a credit rule in hours, not months

When the RBI guideline changes or your credit committee updates the policy, your LOS configuration updates without a vendor ticket queue and 3-month development cycle.

We launched a new loan product in 3 weeks

New product? Configure new application form, credit rules, and document templates your LOS handles it without a re-implementation. First-mover advantage is yours.

Credit officers adopted it in a week

Because the workflow mirrors their existing process, training is minimal. Adoption rates are higher when the software adapts to people not the other way around.

It connected to our niche data source in 2 weeks

Whether it's a state land records portal, a commodity price API, or a sector-specific bureau our integration layer handles it. You don't lose access to your best credit signals.

Our audit always passes every file is complete

Custom document checklists enforce completeness. Credit workflows enforce compliance. Every regulatory report is auto-generated in the format the auditor expects. Zero surprises.

Ready to Build a LOS That Thinks Like You Do?

Bring your most complex loan product. We’ll show you how UltraBanker Tailor Made LOS can originate it  digitally, compliantly, and at scale.