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CréditoÁgil
Digital microcredit origination and management, as a service.
Automates microcredit origination and management end to end, from application to disbursement and follow-up, with consistent decisions, integration with existing systems and operation managed by Redsis.
What is CréditoÁgil?
Redsis CréditoÁgil is a business solution delivered as a service managed by Redsis that automates the life cycle of small loans.
The challenge
Manual processes that slow down lending and increase risk
In family-benefit funds, cooperatives and smaller financial institutions, small-loan applications, evaluation and disbursement are still handled by hand: paper or Excel forms, subjective evaluation, disbursements by email and zero traceability for audit.
More time + higher operational risk + lower lending capacity + a slower experience for the member.
The solution
A digital, automated end-to-end flow
It digitizes the application, automates the evaluation with a rules engine, integrates the institution's internal systems, executes the disbursement and lets you follow the loan with visibility and traceability at every stage.
- 01 - Solicitud Web/mobile portal. Data and document capture and identity validation
- 02 - Evaluation Configurable rules engine to assess ability to pay, score, risk policies, amounts and terms.
- 03 - Integration Connection to the core banking system, credit bureaus, treasury and accounting systems.
- 04 - Desembolso Secure transfer and automation of scheduled processes or bulk disbursements.
- 05 - Seguimiento Control and traceability. Loan status, alerts and portfolio visibility until closing.
Beneficios clave
More speed
From days to minutes or hours for approval and disbursement.
Menor riesgo
Reduces the errors and risks of manual, inconsistent evaluations.
More lending
Lets you lend more without growing the analyst team at the same rate.
Trazabilidad total
Every decision is recorded and available for internal, external and regulatory audit.
Mejor experiencia
Digital processes and faster answers for the member or customer.
Mayor control
Visibility of the microcredit portfolio's status for senior management.
How your operation changes
| Antes (proceso manual) | With Redsis CréditoÁgil | |
|---|---|---|
| Solicitud | Paper or Excel forms | Digital web/mobile portal with identity validation |
| Evaluation | Subjective, at the analyst's discretion | Business-oriented, configurable rules engine; standardized. |
| Integration | Manual uploads to the core system | Real-time integration with predefined connectors. |
| Desembolso | Handled by email | Secure, bulk orchestration |
| Trazabilidad | Scattered, hard to audit | Complete and auditable at every stage |
Ideal for
Regularly grant microcredits, personal loans or payroll loans.
Still use paper, Excel or manual processes.
Depend on individual analysts' judgment.
Upload to the core system by hand.
Need traceability and audit.
Want to lend more without growing the analysis team.
Need to integrate with the core system, credit bureaus, treasury and other systems.
Shall we talk about CréditoÁgil?
Tell us how you operate today and we will show you how it fits your business.
Contact us