Novac Ziva®

Unleash the Potential of Digital Lending Excellence with Ziva®

An end-to-end digital lending solution with unrivaled performance

Future-proof your Lending Enterprise with Ziva®

The rise of digital has transformed the financial services industry, bringing new challenges to existing players and new entrants alike. Managing the change successfully to a digital-first, mobile-first, customer-centric model is vital for long-term growth. As each company is unique in its own way, this journey requires different approaches.

Novac Ziva® is a cloud lending management software with a comprehensive modules suite designed to cater to the requirements of lending businesses of all sizes across various spectrums.

NBFCs

HFCs

Retail Lenders

Manage your entire loan lifecycle with a single, intelligent, and change-ready platform

Comprehensive LOS

Unlock the automation of various business activities involved in a loan processing system with a one-point loan origination software

Supports The Entire Acquisition Lifecycle

From the customer’s onboarding to the underwriter’s decision on the loan disbursement, the acquisition lifecycle tracks all

Seamless Mobility

Mobile platforms enabling relationship executives to onboard customers, create opportunities, loan sanctions, and more.

Effortlessly optimize loan processes, enhance risk assessment, and create unparalleled customer experiences with Ziva®

Loan Origination

Ziva®’s loan origination module is an advanced workflow system built on microservices architecture. It is fully automated , parameterized, and powered by a business rule engine.

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Loan Servicing

This module contains the requests for Tenure/Due Date change, part prepayment, loan closure, and recovery management functionalities. It also allows loan services to manage risk, provide better customer service, and address default management challenges.

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Product Management

The product management module enables the rapid launch of new products across the lending company based on business norms. It also contains segment-specific offerings and multilevel pricing flexibility.

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Collection Management

This module facilitates the collection of monthly repayments, generating statements, and statements of accounts, following up on delinquencies, and maintaining records of payments and balances.

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mZiva - Elevate your lending prowess with our Mobile Apps

For Field Officers

The application enables field officers and customer support technicians in streamlining the lending process from loan application creation to credit approval through the loan origination module.

The mobile app also contains Google coordinates and an in-built day planner for faster and easier access to approving loans anywhere, anytime.

For Customers/Borrowers

The mZiva app, designed for B2C customers/borrowers, offers a wide range of functionalities, including checking loan application status, exploring payment choices, accessing loan top-ups, and more

How does Ziva® work?

What makes Ziva® Stand Out

Ziva® helps businesses to meet their goals with a lending ecosystem imparted with result-oriented features

Ready to be deployed in Cloud
User-Driven Workflow Configuration
Product ready to market
Faster new product creation
AI-enabled Role-based dashboard
Integrated Accounting Engine
GUI-based system configuration
Compliance/ Risk Policies/ Eligibility
Multi-channel Interfacing capability
Document Mapping across modules
Mobility Origination module
Reporting and Business Analytics

Ziva® implements optimal practices across all lending aspects

Ziva® leverages AI and cloud technologies to aid NBFCs and HFCs in accessing real-time financial data to make informed decisions. With Ziva’s implementation, our clients are experiencing a positive impact on tangible and intangible costs.