Get 360-degree customer information in a single view
Collate personal and financial information from banking records and regulatory bodies to gain a comprehensive view of each customer. Improve efficiency of lead management and lead nurturing activities using this data.
Automate customer onboarding and KYC verification
Onboard new customers in minutes, not days. Auto-fill data from digital documents and verify identities against government records using APIs. Collect and verify biometrics and e-signatures using in-branch self-service kiosks.
Nurture relationships with personalized wealth planning
Delight customers with products tailored to their risk appetites and credit scores. Suggest suitable investment plans based on key milestones in customers' lives, such as retirement or marriage, inheritance, or more.
Build trust with omni-channel communications
Enable account managers and wealth advisories to reach customers through any mode of communication—SMS, WhatsApp, email, or telephony. Send periodic portfolio updates and low balance alerts to avoid overdraft charges.
Integrate with fintech platforms for real-time risk alerts
Use API connectivity to track live actions on core financial applications. Trigger automated alerts for large transactions and unusual account activities. Automate workflows to freeze account operations in response to risks in real time.
Grow revenue with thoughtful cross- and up-selling
Upgrade a small business owner from a basic to a premium credit card or pitch a high-yielding investment plan to a savings account holder. Leverage behavioral analytics and transaction history to identify hidden opportunities for cross- or up-selling.
Resolve support tickets faster with automation
Issues with card payments? Dispute over overdraft charges? Settle disputes and troubleshoot issues by automating the resolution process. Schedule follow-ups and provide consistent support to show customers that you truly care.
Gain banking insights to drive growth
Deploy dashboards to gain actionable insights into pipeline health. Track key sales metrics like sales cycle length, sales patterns, sales performance, and team productivity. Identify and act on new opportunities to maximize banker productivity.
Ensure regulatory compliance
Secure customer data in accordance with local, state, and international regulations like GDPR and CCPA. Auto-generate reports and audit trails for investment declarations and tax filings in real time. Validate e-signatures for digital onboarding and approvals.
Grow in volume with loan process automation
Integrate AI and automation capabilities to fast-track application submissions, verification, and approvals. Configure event or status-based workflows to improve efficiency and transparency in the lending process.
Simplify application submission
Help DSAs effortlessly collect personal and financial information from individuals and business entities using sequential templates. Verify documents in real time to move through the sequence. Check for duplicates or fraudulent entries and put a hard stop to such applications.
Verify borrowers' financial details with a single click
Zoho CRM connects to credit bureaus, banking systems, and internal data systems via APIs. This lets DSAs verify character, capital, capacity, and collateral of individuals, as well as tax history and business registration of entities, with a single click.
Generate personalized loan estimates
Unlock the perfect loan plan for your borrowers—complete with loan amount, interest rate, and tenure—based on their credit scores, FOIR score, current financial health, and past loan repayment history, if any.
Breeze through multi-stage loans approvals without a glitch
Enable managers and senior leaders to collaborate and approve loan applications seamlessly. Include workflows for multi-level approvals based on the loan value. Rope in field investigators to cross-verify borrowers' documents to eliminate risks.
Handle credit discussions in-app
Loan approving managers can send applications back to DSAs requesting additional information or documents, or seeking explanation for missing or incorrect information. Likewise, DSAs can rebut loan rejections and cite additional references, and request to approve loans—all from within Zoho CRM.
Generate documents using templates and request digi-signs
Generate personalized sanction letters and formal loan agreement documents from pre-built templates. Request e-signatures from borrowers to signify their agreement to the terms and conditions of the loan agreement.
Automate post-approval tasks to hasten loan disbursement
Route approved loans through pre-defined hierarchies, such as operational managers or review committees for regulatory and compliance audits. Trigger workflows to notify finance teams to disburse loans once the review process is complete.
Boost performance with KPI dashboards
Analyze key performance loan processing metrics like average loan size, loan cycles, pull-through rate, and cross-sell success. Forecast long-term and near-term growth and align teams with the right strategies to achieve targets.
Ensure operational compliance
View the complete history of each application using time-stamped audit logs for each transaction. Ensure adherence to fair lending laws and regulatory reviews.
Secure borrowers' data as per banking regulations
Ensure security without compromising productivity. Provide role-based access to DSAs, managers, regional heads, operational chiefs, and third-party agencies to peruse and approve customers' loan documents. Use role-based field masking to obscure sensitive financial details further.
Disclaimer: Zoho CRM isn't an out-of-the-box vertical CRM solution. It's an industry-agnostic CRM platform that can be customized to suit various industries. The capabilities and solutions showcased above are a result of such customization.