Loan Lifecycle Platform
LEAP
LEAP is the complete loan lifecycle platform for banks, microfinance banks and other financial institutions — unifying field loan origination and automated credit risk appraisal into one platform, one vendor.
Loan officers in the field face poor connectivity, paper-heavy processes and slow, inconsistent credit decisions. Back at the branch, risk and credit teams need every decision to be consistent, auditable, and ready for regulatory scrutiny. LEAP brings two proven engines together to solve both sides of the problem: loan origination & field management, and Novaji's Credit Risk Appraisal Workflow.
“Loan decisions your officers can trust, and regulators can audit.”
How It Works
Field Agent
Mobile or web, online or offline — captures customer profiles, checks balances, runs loan calculations.
LEAP Server & Database
Secures data, applies business rules, and syncs automatically the moment a device reconnects.
Admin & Management
Approves loans through a configurable multi-level chain, monitors the portfolio, generates reports.
Security & Deployment
- Two-factor authentication, salted-hash password encryption, SSL/TLS throughout
- Active Directory / SSO support (Kerberos and LDAP)
- Role-based access control by role, module and branch, with full activity logging
- On-premise or cloud deployment, with Test/UAT, Production and optional Disaster Recovery environments
A full LEAP rollout runs in 12 weeks — one week of requirements and technical assessment, eight weeks of development and integration, two weeks of UAT, and one week of training and go-live. Single-module deployments can go live in as little as four weeks.
Let's Build Your LEAP.
Talk to us about bringing loan origination and credit appraisal onto one platform.
Request a Live DemoLEAP Core Modules
- Offline-first mobile & web app for field agents — works with or without connectivity, syncing automatically on reconnect
- Branded, secure institutional app with full customer profiles captured in the field
- Live repayment history & balances at the point of contact
- Built-in loan calculator and repayment-schedule advisory
- Centralized admin console for loan and customer management
- Configurable exception rules, batch upload with failed-record tracking
- Agent and branch assignment controls with automated alerts
- Dynamic reporting & BI — multi-dimensional filters, on-demand new indicators, Excel/CSV export, board-ready reports
- Automated, rule-based credit scoring from financial history, income and behavioural data
- Configurable scoring criteria and thresholds to match each institution's credit policy
- Consistent, auditable lending decisions with faster turnaround
- Transparent, fully configurable multi-level approval chain
- Six-role approval workflow out of the box: Credit Officer → Branch Manager → Head of Business Development → Enterprise Risk Management → Managing Director → Board Credit Committee
- 100% audit trail on every credit decision