Loan Servicing Automation

AI-Powered Servicing for Seamless Post-Disbursement Loan Management

Introduction

Managing loans after disbursement is as critical as underwriting. Traditional loan servicing models are manual, fragmented, and error-prone, leading to missed payments, rising NPAs, and poor borrower experiences. With Glib.ai, automate your loan servicing process using AI — from EMI reminders and payment tracking to dynamic restructuring and risk monitoring — all from a single platform.

"GLIB.ai will help us assess merchant risk in a better and more efficient manner. With FinRay, we can quickly analyze key ratios from financial statements across multiple languages."

Francesco Garcia

Director - Merchant Credit Risk

Other Use Cases

Loan Origination Automation Borrower Profile Enrichment Risk Based Loan Pricing Loan Monitoring Loan Disbursement Automation Loan Servicing Automation

Key Benefits

Automated EMI Reminders & Notifications: Ensure timely payments by sending borrowers personalized reminders via SMS, email, WhatsApp, or in-app notifications — all triggered by the system based on due dates.
Dynamic Repayment Structuring: Enable real-time EMI rescheduling based on borrower cash flow and risk profile. Ideal for moratoriums, top-ups, or restructuring plans.
Real-Time Account Servicing: Automatically update loan ledgers, outstanding balances, interest accruals, and repayment statuses — accessible to both the lender and borrower.
Predictive NPA Monitoring: Detect early signs of default by analyzing repayment behavior, bank transaction patterns, and credit health. AI flags high-risk accounts for proactive action.
Multi-Channel Payment Integration: Seamlessly integrate with UPI, IMPS, net banking, debit mandates, and payment wallets for smooth repayment collections.
Compliance & Audit Readiness: Every transaction and communication is logged, encrypted, and aligned with regulatory guidelines for effortless compliance and audit reporting.

Human expertise + Machine intelligence

Assist, augment and automate.

Questions? Answers.

Here are some frequently asked questions. If you have any other questions, please feel free to contact us.

How does Glib.ai enhance loan servicing with AI?

Glib.ai automates key aspects of loan servicing — from sending timely reminders and tracking repayments to handling EMI adjustments and flagging repayment risks. This eliminates manual intervention, reduces operational overheads, and improves collection efficiency.

Can the platform support dynamic EMI restructuring?

Yes. Based on borrower behavior, risk scores, and financial inputs, our AI models recommend and implement dynamic EMI scheduling — including extensions, split payments, or new repayment plans, especially helpful during financial distress or income fluctuations.

Does Glib.ai support digital payment collections?

Absolutely. Glib.ai integrates with UPI, IMPS, debit cards, eNACH, wallets, and bank transfer systems, allowing borrowers to make payments seamlessly. Our system also reconciles these payments in real time with the loan management system.

How does AI-based servicing reduce NPAs?

By continuously monitoring borrower behavior — such as missed payments, reduced account inflows, or increased liabilities — our AI engine identifies loans at risk of default early and alerts the collections or credit team for pre-emptive intervention.

Is the loan servicing workflow customizable?

Yes. Lenders can configure communication frequency, repayment structures, grace periods, and trigger conditions based on their internal policies and customer segments — all without writing a single line of code.

How secure is borrower data in this process?

Data security is at the core of Glib.ai. All communication, payment data, and borrower records are protected with end-to-end encryption, role-based access controls, and compliance with RBI and SEBI standards.

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