10+
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Solutions For
- Products
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Insights
✨ Client's Testimonial"For the past 3 years, Credility’s Sales Mobility App (goFTR) has been reliable, user-friendly, and effective. It has streamlined our processes, and both the senior management and the team at Credility have always extended prompt and professional support."
Ajinkya ShindeDVP – IT - Business & Digital Solutions
- Company
Credit Personal Discussion
for
SNAPSHOT OF FEATURES
Our Numbers Say About Us
Lending Companies Using quickPD
Active User
1,000+
PD Reports Generated
50,000+
FEATURES
PD Cases Assignment & Type
Case Allocation
Branch pool based self-assignment or auto-assignment of PD activity to Field Credit Officer / Tele-PD Officer based on segment, ticket size and location.
PD Types
Configurable PD types – Applicant PD, Co-applicant/Guarantor PD, Business PD (for self-employed), Collateral PD (for property shortlisted).
FEATURES
Applicant & Guarantor PD
Cross-verification of applicant/guarantor identity against loan application data.
Co-applicant/Guarantor PD capturing relationship, liability and willingness-to-pay discussion.
FEATURES
Business PD
SENP Income Profiling
Comprehensive business income assessment utilizing over 40+
built-in SENP (Self-Employed Non-Professional) income templates.
Operational Verification
On-site verification of business existence, scale of
operations, and inventory levels against application claims.
Stability Assessment
Evaluation of business vintage, infrastructure, and customer
footfall to gauge long-term repayment capacity.
Auto Deviation for Red Flag
Auto-routing of red-flagged files to Senior Credit Manager
where profit margin of the business does not match with the industry margin.
FEATURES
Collateral PD
Utilizes configurable property-related questions tailored to the
specific asset class (e.g., residential, commercial).
On-site visual validation of property boundaries, neighborhood profile, and approach road access.
Confirmation of current property usage and occupancy status (self-occupied, rented, or vacant) to assess collateral risk.
FEATURES
Personal Discussion Capture (App)
Dynamic Questionnaires
Structured, configurable PD questionnaire covering income, business stability, repayment intent and existing obligations.
Visual Proof
Live geo-tagged photo/video capture of the applicant during PD as audit
evidence.
Instant Output
In-app digital PD sheet output with one-click PD outcome (Positive /
Negative / Conditional) pushed to BRE and LOS for the underwriting decision.
Offline Access
Offline-first capture with auto-sync for low-connectivity field locations.
INTEGRATIONS
Multiple Integrations
Integrated with 4+ 3rd party API for faster onboarding
Integrated with Credit Bureau APIs, Geo-tagging/GPS, goOriginate LOS.
Solutions For
HFC
NBFC
Banks
SFB
Who Can Use
Quick pd supports
Field Credit
Officers
Officers
Tele-PD Officers
Credit Managers
/ Approvers
/ Approvers
Clients Who Trust Us
Building relationships, delivering excellence
Frequently Asked Questions
We have put together some commonly asked questions
Is goCreditPD a mobile app or web-based?
Both – Field and Tele Credit Officers
conduct and capture the Personal Discussion through the offline-first mobile app, while
Credit Managers review, score and approve PD outcomes through a web panel.
How does the system decide which PD questions to ask?
The questionnaire is
configurable by product, segment and ticket size, with a red-flag question bank auto-
triggered based on risk segment or BRE-flagged risk factors.
Can PD be conducted over the phone (Tele-PD) instead of a physical visit?
Yes, the Tele-PD can be conducted with call recording/disposition capture.
How are PD outcomes shared with underwriting?
The PD outcome and red-flags are pushed automatically into the goOriginate LOS BRE on approval, feeding
directly into the credit decision.
What evidence is captured to make PD audit-ready?
Geo-tagged photo/video,
digital applicant signature, time-stamped responses and reviewer comments are stored
against the loan file for audit and regulatory review.
Can the PD process differ by product, such as LAP versus unsecured loans?
Yes, questionnaires, red-flag rules are all configurable per product and customer
segment.
Not seeing your question here?
Contact Us
Ensure a paperless and standardized e-credit evaluation
Credility provides nothing less than a cutting-edge technology to its clients. We have developed a fully operational platform where the credit managers can conduct a personal round of discussion for credit assessment based on the borrower’s profile. QuickPD is a one- of-a-kind innovative Credit Personal Discussion App designed to equip Banks, NBFCs and HFCs with a robust, simple yet efficient system.
Salient Features of Credility’s QuickPD:
- Compatible to integrate with any core banking/lending system: QuickPD can be seamlessly integrated with your existing core banking / lending system. The borrower credit assessment software is available currently on android only.
- Have a standard template to ask profile-based/income-based/property-based questions: Depending on the occupation and profile of the applicant, credit managers can now have a standard and configurable template along with specific profile and income based questions while conducting PD to get meaningful insight into an applicant’s business model/ occupation, credit history or employment status with Digital Credit management becoming a cakewalk. Use the QuickPD App from Credility to make it easier to get a deeper insight into a borrower's financial background, income sources and evaluate their credibility more accurately.
- Flexible video recording: Credit officer’s of Financial companies can now record multiple short videos as per their requirements of relevant information. Keeping records and maintaining them for audit purposes is now possible. You can take a quick scan of the borrower's office / residence place or take any important consent on video at the time of physical visit.
- Auto Generate digital credit PD sheet: The QuickPD App auto generates credit personal discussion sheets digitally in real-time, saving the credit manager’s time in preparing the report. This helps in faster evaluation of the creditworthiness of applicants or potential borrowers with an easy-to-use digital sheet.
- A standardized personal discussion process: Credility has made a standardized process for conducting personal discussion. There is no more requirement for dependency on a highly qualified credit resource’s intelligence with the help of the CreditPD App for NBFC / HFCs / Banks. Providing standard offerings cannot work for all which is why Credility ensure to cater to the unique needs of every financial company. Customise and configure the app according to your preferences. Schedule a meeting with us to understand how our Credit Personal Discussion App can help you save time and money.
Insights
Journey into insightful perspectives
Ready to Transform?
Get a personalized demo now. Contact our team today!
✨ Client's Testimonial
"For the past 3 years, Credility’s Sales Mobility App (goFTR) has been reliable, user-friendly, and effective. It has streamlined our processes, and both the senior management and the team at Credility have always extended prompt and professional support."
Ajinkya Shinde
DVP – IT - Business & Digital Solutions
✨ Client's Testimonial
"Credility's goCollect enhanced our collection operations through real-time tracking, accurate reconciliations, and a user-friendly interface helping our teams adapt faster and perform better."
Ronald Mathew Verghese
Chief Technology Officer
Decision Consistency: Standardized Credit Decisions
Early Warning: Proactive Fraud Detection
Audit Readiness: Audit-Ready PD Trail
Accelerated Approvals: Faster Credit Approvals
