An application checklist identifies an outstanding supporting document.
BANKING, NBFC & LENDING / THE OPERATING DAY
Automate the SOPs
behind banking & nbfc.
Connect the teams, records and handoffs behind banking & nbfc, with the right people at each decision.
EXAMPLE OPERATION · BANKING & NBFCAll industries
daffyOS Example operation · Banking & NBFC / One connected enterpriseLead Capture & Enrichment / Example record
An application needs supporting evidence
Supporting recordLinked to the original instruction
ATTACHEDDaffyI have linked the record and prepared the next step for Collections agent. Request the evidence before the authorised credit review?
DECISION OWNER / COLLECTIONS AGENT
Request the evidence before the authorised credit review?The source record, responsible team and proposed next step are linked. This example waits for the decision owner.
Collections agent · Approval requiredTARGET OUTCOME
Request the evidence before the authorised credit review?
Request the evidence before the authorised credit review? The approval and follow-up stay attached to the original record.
RECORD IN FOCUSExample recordLead Capture & Enrichment SOP / Example
EXECUTION / SIMULATED
- Operating record DaffyEvidence captured
- 2Daffy Collections agentAwaiting approval
- 3Collections agent Operation recordAction pending
- 4Operation record Follow-upFollow-up waiting
DECISION OWNER / COLLECTIONS AGENT
Request the evidence before the authorised credit review?The source record, responsible team and proposed next step are linked. This example waits for the decision owner.
Collections agent · Approval requiredWORKING NOTES
- No working notes yet.
ONE CONNECTED OPERATING DAY
What needs your attention?
Context follows this operation.
THE WORKSPACES BEHIND THE THREADS
Where your work
comes together.
Each workspace holds its part of the operation. Daffy coordinates the handoffs under the permissions you set.
Lead Capture & EnrichmentAI Calling DeskBilling & CollectionsLegal & ContractsRisk & ContinuityCompliance & AuditTreasury & TrustDocuments & RecordsCustomer Support DeskStore & Branch OperationsWorkforce CoreAttendance & ShiftsCosting & ProfitabilityClient PortalData CoreCommand CentreDAFFY Chat & Authority
ONE SOP TO START WITH
An application needs supporting evidence.
A representative scoping example. Integrations, actions and approval rules are agreed for your deployment.
01 / THE TRIGGER
An application checklist identifies an outstanding supporting document.
02 / THE HUMAN DECISION
Request the evidence before the authorised credit review?
03 / THE CONNECTED OUTCOME
The application record retains the evidence request. Lending approval remains a separate decision.
THE PEOPLE BEHIND THE PROCESS
Different teams.
One operating context.
01Retail Lending
02Credit & Underwriting
03Collections
04Legal & Recovery
05Branch Banking
06Risk & Compliance
07Treasury
08Customer Service
09Operations
10Audit
11HR
12Analytics
THE OPERATING CYCLE
The handoffs that
make the business work.
Use this operating map to decide where a record is created, who takes responsibility and what must be checked before work moves.
- 01 / START THE RECORD
Origination
Capture the source instruction, evidence and responsible owner.
- 02 / CARRY THE CONTEXT
Underwriting
Link the underwriting record to the previous stage and the team responsible for the next handoff.
- 03 / CARRY THE CONTEXT
Disbursement
Link the disbursement record to the previous stage and the team responsible for the next handoff.
- 04 / CARRY THE CONTEXT
Servicing
Link the servicing record to the previous stage and the team responsible for the next handoff.
- 05 / CARRY THE CONTEXT
Early delinquency
Link the early delinquency record to the previous stage and the team responsible for the next handoff.
- 06 / CARRY THE CONTEXT
Recovery & notice
Link the recovery & notice record to the previous stage and the team responsible for the next handoff.
- 07 / CLOSE THE LOOP
Audit & reporting
Retain the outcome, outstanding exceptions and decision history.
THE WORKSPACE MAP
The same brain.
Your industry’s vocabulary.
A workspace is shaped around the people and records it serves. These are starting points, with connected workflows between them.
Lead Capture & Enrichment
Loan Origination
Which applications are pending documents?
Explore workspace AI Calling DeskCollections Calling
Which accounts need contact today?
Explore workspace Billing & CollectionsServicing & Repayment
What is our roll rate from bucket one?
Explore workspace Legal & ContractsRecovery Notices & Legal
Generate this month’s recovery notices.
Explore workspace Risk & ContinuityCredit Risk & Portfolio
Where is portfolio quality deteriorating?
Explore workspace Compliance & AuditRegulatory Compliance
Which regulatory submissions are due this month?
Explore workspace Treasury & TrustTreasury & Funds
What is our liquidity position over 90 days?
Explore workspace Documents & RecordsDocuments & KYC
Which files have incomplete documentation?
Explore workspace Customer Support DeskCustomer Service
What are customers disputing most?
Explore workspace Store & Branch OperationsBranch Operations
Which branches are underperforming on collections?
Explore workspace Workforce CoreWorkforce Core
Who holds sanction authority at this branch?
Explore workspace Attendance & ShiftsAttendance & Field Activity
Which field agents did not complete visits?
Explore workspace Costing & ProfitabilityCost of Acquisition & Collection
Which products cost more to collect than they earn?
Explore workspace Client PortalCustomer Portal
How many queries did the portal deflect?
Explore workspace Data CoreData Core
Find accounts behaving like our historic defaults.
Explore workspace Command CentrePortfolio Command Centre
What is deteriorating in the book right now?
Explore workspace DAFFY Chat & AuthorityDAFFY Chat & Authority
Which policy exceptions were approved this quarter?
Explore workspaceAUTHORITY, IN CONTEXT
The right answer.
For the right person.
Agree access and action permissions before connecting operational data. The same question can require a different scope for each role.
“Which applications at my branch are pending documents?”
Own branch, own accounts, own applications.
“Which of my accounts need contact today?”
Their allocated accounts and contact history.
“Which files are stuck in underwriting and why?”
Underwriting queue, exceptions and approvals.
“What is our roll rate from bucket one this month?”
The whole book, buckets, roll rates, agent performance.
“Which policy exceptions were approved this quarter?”
Policy exceptions, regulatory limits, audit findings.
“Where is portfolio quality deteriorating?”
Portfolio quality, cost of collection, exposure.
START WITH ONE WORKFLOW
One SOP today.
A more connected company tomorrow.
Bring us the process, the people and the exceptions. We’ll map the first proof of value.