Loan products and lines
Consumer, revolving, payroll-deduction (libranza), commercial, microloans and more, with rates, terms, insurance and rules.
GIITIC Loan Management
Everything you expect from loan management software. And much more.
- Adapts to your business Your operation, your rules.We start from best practices, but we understand that every company is different. We adapt GIITIC to your processes, even when they are complex, without forcing you to change your operation to fit the software.
- Integration experts 100+ integrations.We connect GIITIC with your technology ecosystem: modern, in-house or legacy systems. We have more than 100 integrations and the experience to build the ones your operation needs.
- We solve problems, not just implement We take charge from start to finish.We avoid the typical implementation problems: incomplete scopes, consultants who do not understand the operation, or features that do not solve the need. You work with experts focused on making the solution work from start to finish.
- Record-time implementation and support Experience + tools + AI.We are experts in what we do. We combine experience, methodology, tools and AI to speed up every stage, deliver implementations in weeks and resolve your needs with agility.
- AI + Agents + Intelligent analytics Much more than AI features.AI features included in the software that you can extend with agents and intelligent data analytics. All connected in one ecosystem and with a single vendor.
- One single plan No tiers or hidden costs.All of the product’s functionality is included from the start. No multiple editions, locked features or hidden costs that complicate the administration of your solution.
Do you know if your operation is at risk?
These are common signs of teams that work without technology.
- Applications on paper or by email
- Slow, manual credit reviews
- Money laundering risk without controls
- Approvals outside authority limits
- Formalization disconnected from disbursement
- Disbursements with no accounting traceability
- Revolving limits without control of the available amount
- Interest, insurance and delinquency in spreadsheets
- Payments applied out of order
- Restructurings with no loan history
- Customers who call to ask for their balance
- Manual reports to credit bureaus
How does GIITIC Loan Management improve my operation?
Greater speed
Automate tasks and connect your information so your team responds sooner and your processes move forward without waiting.
- Receives online applications with an installment simulator and documents from the phone
- Reads ID documents and supporting files and fills in the applicant’s data without typing it
- Queries credit bureaus and restricted lists within the same underwriting review
- Routes each application to the analyst and committee that match its amount and loan type
- Generates the promissory note, the contract and the amortization schedule and sends them for digital signature
- Disburses to an account, wallet or cash desk and activates credit lines and limits without extra paperwork
Higher quality
Standardize the work and control every step so your information is reliable and your results are consistent.
- Applies the configured scoring and business rules and records the version used in each decision
- Gathers documents, queries and decisions in each loan’s file
- Calculates interest, insurance, fees and delinquency charges with the terms of each product
- Applies each payment only once, in the order of concepts you define
- Keeps the history of restructurings, refinancings and payment plans, with their approval
- Separates who reviews, approves, disburses and manages the portfolio
Lower costs
Reduce rework, errors and manual work so your operation delivers more with the same resources.
- Reduces the manual work of underwriting, formalization and installment calculation
- Avoids settlement errors and rework with a single calculation engine
- Cuts customer calls with online balance, statement and certificate lookup
- Receives online payments without going through branches or manual reconciliations
- Generates statements and reports to credit bureaus and regulators without building them by hand
- Sends only overdue installments to collections, based on the rules you define
Take your company to the next level with AI
Built-in AI features
- Reading of ID documents and income supporting files to fill in the application
- Summary of the loan file for the analyst and the committee
- Alert for inconsistencies between documents, declared income and queries
- Suggested term and installment based on repayment capacity, within your institution’s policy
- Natural-language queries on applications, placement, portfolio and delinquency
Workforce AI
If you want to go further, our autonomous agents take on operational tasks in any area of the company, with human oversight and central governance.
- OpenAI
- Anthropic
- Gemini
Analytics
If you want more advanced AI-powered data analysis, Analytics applies forecasting, predictions, anomaly detection and optimization to your operational data.
Explore Analytics
Manage what really matters
GIITIC Loan Management controls every product, application, loan, collateral, payment and event, from the application to the paid-in-full certificate.
- Identify
- Characterize
- Classify
- Relate
- Manage
- Act
- Close
Credit applications
Data, documents, queries, scoring and decision for each application, with its file and approvals.
Loans and payment plans
Balance, installments, interest, insurance, delinquency and amortization schedule for each active loan or credit line.
Collateral and documents
Promissory notes, contracts, co-signers, policies, payroll-deduction authorizations and signatures tied to each loan.
Payments
Online, cash-desk or payroll-deduction payments, applied in the order of concepts and reconciled.
Events
Restructurings, refinancings, debt consolidations, extra payments and write-offs, with reason, approval and history.
Solutions for every role
Everyone who applies for, sells, reviews, approves or manages a loan finds what they need: queries, transactions, reports and indicators.
Customer
Self-service de consulta
- Balances, installments and statements
- Status of their application
Self-service transaccional
- Application and simulation from the phone
- Online payments
- Certificates and paid-in-full letters
- Data updates
Sales advisor
Self-service de consulta
- Credit lines and terms
- Applications from their customers
Self-service transaccional
- Applications with documents from the phone
- Simulation with the customer
Reportes
- Loan placement by advisor
KPI
- Applications submitted
Credit analyst
Self-service de consulta
- File, bureaus and lists
- Repayment capacity
Self-service transaccional
- Review and opinion
- Formalization and signature
- Disbursement order
Reportes
- Applications under review
- Review times
KPI
- Review time
- Approval rate
Portfolio and compliance
Self-service de consulta
- Loans, credit limits and collateral
- Due-date alerts
Self-service transaccional
- Payment application
- Events and restructurings
- Reports to credit bureaus and regulators
Reportes
- Portfolio by delinquency age
- Events for the period
KPI
- Delinquent portfolio ratio
- Available limits
Credit committee and management
Self-service de consulta
- Placement and portfolio dashboard from the app
Self-service transaccional
- Approval by authority limits
- Policies, rates and products
- Portfolio write-offs
Reportes
- Placement and current portfolio
- Export to Excel and Power BI
KPI
- Placement
- Current portfolio
Key features
Application and simulator
Online application by loan type with an installment simulator, documents and status tracking.
Review and approval
Identity, credit bureaus, restricted lists, scoring and rules, with approval by authority limits.
Formalization and signature
Promissory note, contract, amortization schedule, collateral and payroll-deduction authorization with a digital signature in the file.
Disbursement and limits
Disburses to an account, wallet or cash desk, in full or in tranches, and activates credit lines and revolving limits.
Products and calculation
Loan types with configurable interest, insurance, fees, delinquency charges and amortization schedules.
Payments and plans
Applies payments in the order of concepts, receives extra payments to principal and reschedules installments with approval.
Events and collateral
Restructurings, refinancings, debt consolidation and write-offs with reason, approval and history.
Customer self-service
Balances, statements, online payments, certificates, simulator and new applications in the portal.
Reports and dashboards
Statements, reports to credit bureaus and regulators, and dashboards for placement, portfolio and risk.
- GIITIC Loan Management
- Collections: Receives overdue installments and delinquency, and returns approved agreements that change the plan.
- Treasury: Executes the disbursements and delivers the bank collections.
- Accounting: Receives the accruals for disbursements, interest, payments and write-offs.
- Electronic Documents: Issues the loan’s e-documents.
- Customer Portal: Publishes balances, statements, payments, certificates and customer applications.
- Customer Service: Handles requests, complaints and claims from loan customers.
- CRM: Shares customers, contacts and new loan opportunities.
- Credit bureaus: Query during underwriting and periodic reporting.
- Lists: Applicant verification at origination.
- Online payments: Payment of installments and other amounts.
- Signature: Signing of the promissory note and loan documents.
- Core and ERP: Balances, accounting and portfolio in the systems you already use.
Connected ecosystem
GIITIC platform
The backbone that powers the entire ecosystem
Every GIITIC module, workflow and data point runs on a common platform: security at the core, integration with your systems, and mobile and business intelligence capabilities.
Learn more- Security and auditingAccess control, encryption and traceability of every interaction.
- Multi-site and multi-currencyMultiple sites, languages, currencies and local regulations.
- Data managementBulk import, assisted migration and open export.
- Processes and approvalsBPM workflows, no-code forms and multilevel approvals.
- Analytics and indicatorsDashboards, KPIs and alerts connected to your operation.
- Maps and traceabilityGeoreferencing, routes and geofences.
- Field mobilityApp with offline mode, signature, photos and on-site printing.
Our track record
Global experience at your service
- Years of experience
- 15+
- Companies in Latin America
- 850+
- Countries
- 10+
- Integrations
- 100+
- ERP and ERP+ modules
- 40
- AI agents
- 20+
Companies that trust GIITIC
Frequently asked questions
Questions about GIITIC Loan Management
Can GIITIC Loan Management be integrated with my current core and ERP?
Yes. It connects with GIITIC ERP and with the financial core or ERP you already use for accounting, treasury and portfolio, and with credit bureaus, restricted lists, payment gateways and electronic signature. The scope of each integration is defined when sizing the project.
Can I configure my loan products and my country’s regulations?
Yes. You configure loan types, rates, terms, insurance, delinquency, payment application order, rules, approval authority limits and reports according to your policy and your country’s regulations. Your institution is responsible for the legal validation of each parameter.
Does GIITIC software include artificial intelligence?
Yes. AI reads ID documents and supporting files, summarizes the file for the committee, flags inconsistencies, suggests a term and installment within your policy and answers portfolio queries. Your team decides. You can extend it with Analytics models for delinquency and collections.
Can my customers and advisors use the software from their phones?
Yes. Customers apply, simulate, pay and download certificates from their phones, and advisors submit applications with documents from the Android and iOS app.
What does the software implementation include?
Direct support from the software vendor: we size your products and policies with you, configure rules, authority limits and reports, migrate your current portfolio, connect your systems and give you direct support. Timelines depend on the scope.
Can I use GIITIC Loan Management without implementing GIITIC ERP?
Yes. It works on its own and integrates with the core and ERP your institution already has. If you implement GIITIC ERP or other modules later, they connect without duplicating information.
Next stepReady to transform your process with GIITIC software?
Schedule a guided demo of GIITIC software. A consultant will review how your operation works and show you how the software adapts to your business rules.
- Explore the software with use cases from your industry.
- Compatibility assessment with your current ERP and your sales channels.
- Review of the scope and the next step.
Request a guided demo of the software
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