GLIB.ai - Loan Servicing Automation (Use Case)

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

Trusted by leading businesses

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.