Our BPO and IT services in Retail Origination support banks with specialized expertise in the origination of several forms of consumer financing, including salary-backed loans (CQS), personal loans, and POS loans, facilitating a swift and efficient application process. Moltiply BPO Loans excels in digitizing the whole process, ensuring a seamless and efficient application journey for consumers. Our approach includes the dematerialization of documentation through scanning, indexing, and analysis, alongside thorough completeness checks to verify all necessary paperwork is accurate and complete. We manage document integration by liaising with financial institutions and commercial networks during the preliminary stages, conducting analyses for pre-approval, and coordinating with relevant parties such as insurance companies, pension funds, and wholesale banks. The final presentation of applications to clients' Back Office for disbursement is meticulously handled, ensuring all post-disbursement documentation is digitized, archived, and any physical documentation returned to the customer. This comprehensive service framework underscores Moltiply BPO Loans's commitment to enhancing retail loan origination with precision, efficiency, and a focus on digital innovation.

Moltiply BPO Loans enhances the corporate origination process for banks with a suite of BPO and IT services tailored to manage guaranteed loans for SMEs. Our outsourcing offer begins with pre-feasibility checks, including documentation acquisition and evaluation, ensuring a strong foundation for loan applications. We efficiently register company data within bank systems, leveraging Business Information for data retrieval. The meticulous preparation of application materials ensures completeness and correctness, requiring minimal adjustments. Following initial checks, Moltiply BPO Loans handles the electronic loading of loan applications, performing thorough document verifications aligned with bank policies and guarantee criteria (e.g., FdG, ISMEA, SACE). Our platform integrates database checks and scoring, formal and substantial document review, financial statement reclassification, and creditworthiness analysis. This thorough approach, underpinned by shared guideline analyses, positions Moltiply BPO Loans as an operational and technological facilitator in the loan origination process of lending to small and medium-sized enterprises.

Moltiply BPO Loans's Structured Finance services encompass a comprehensive suite designed to support and optimize securitization operations. Our Back-up Servicing (BUS) ensures readiness for servicing in securitization transactions, while Operational Credit Monitoring (OCM) focuses on the periodic assessment of originators/servicers' operational performance. The Operational Support Management (OSM) service analyzes the completeness and compliance of documentation for securitized positions. Our Sub-Servicing offering manages post-sale credit portfolios as a primary sub-servicer, ensuring efficiency and compliance. Additionally, we provide AML support for Master Servicers, facilitating document checks in both retail and corporate sectors. Moltiply BPO Loans also conducts due diligence and auditing services to evaluate intermediaries' performance in portfolio management, reinforcing our commitment to excellence in structured finance.