LENDING PLATFORM

Setara

Scale financing operations without scaling the manual workload. Setara connects underwriting, workflow, servicing and reconciliation across the financing lifecycle — helping Credit, Operations and Finance teams handle more volume with greater efficiency and control.

ABOUT THE PRODUCT

Setara supports the financing lifecycle from application assessment through servicing and reconciliation. Underwrite automates document extraction, validation, eligibility and policy checks, preparing cases for credit review. Core manages application workflow, approval routing and ongoing account servicing. Close automates recurring repayment reconciliation and accounting ledger preparation as the portfolio grows.

The financier retains ownership of its credit policy, customer data and final approval decisions. Setara automates and prepares the work while the financier remains in control.

KEY BENEFITS

Scale without proportional headcount. Automate repetitive work across Credit, Operations and Finance so financing volume can grow faster than the operating team.

Focus people on judgement and exceptions. Routine processing is handled systematically, allowing experienced staff to focus on cases that require review, investigation or decision-making.

Automate the work, keep the credit control. Setara prepares assessments, applies configured rules and routes cases for review while the financier retains ownership of credit policy and final approval.

Traceable from application to decision. Maintain a clear record of workflow actions, supporting information, approvals and outcomes for operational review and audit.

CASE STUDY · FINANCING OPERATIONS

Scaling financing operations without building a proportionally larger team

Challenge. Forecast application growth was materially beyond what the existing credit and operations team could absorb through predominantly manual processing.

Approach. Setara automates case preparation, structures application and approval workflows, and reduces recurring Finance reconciliation work while keeping final credit authority with the financier.

Impact.

  • Underwrite: Assessment preparation time reduced from approximately 60 minutes to 5 minutes.
  • Close: Repayment reconciliation and accounting ledger preparation reduced from approximately 20 man-days to 2 man-days.
  • Application capacity: Designed to support up to 60 times higher application volume without equivalent growth in processing headcount.
  • Cost efficiency: At forecast scale, cost per application is approximately 67% lower compared with a predominantly manual operating model.

Underwrite and Close figures are based on validated Setara use cases. Capacity and cost-per-application figures are modelled outcomes at forecast scale.