SmartUCF is an integrated information system for management of the full workflow of consumer lending process for UniCredit Consumer Financing, including cash loans, Point-Of-Sale (POS) loans and credit cards. The system is actively used by thousands of users every day.

SmartUCF contains the following main modules:

• Offer – defining loan parameters based on predefined credit products and preparing a detailed financial proposal, including repayment scheme. Support for different configurable insurance packages.
• Application – collection of customer(s) detailed information. Integration with UniCredit Back-End System for customer data. IDScan integration.
• Credit Risk Evaluation – providing bi-directional interface to external Risk Management System and collecting customer information from various external sources – CCR, MVR, GRAO, etc. CVM and black list support.
• Workflow for underwriters to control and participate in the credit risk evaluation process.
• Contract preparation and signing of approved applications. Integration with UniCredit Back-End System for customer bank accounts. Electronic Signature System integration.
• Loan refinancing and restructuring.
• Disbursement approval.
• Bi-directional integration with UniCredit Back-End system: providing customer contract information, receiving after-sales events.
• Integration with Credit Card Management System.
• Disbursement.
• After-sales support.
• Integration with UniCredit DWH.
• Integration with external systems for after-sales contract information and reporting.
• Customer data management.
• Credit products configuration.
• Sales network configuration.
• Configuration of specific credit products for specific branches of the sales network.
• POS Online process configuration and administration.
• Nomenclature configuration.
• Printing configuration.
• Users and roles administration.
• Etc.

Platforms: Oracle, ASP.NET MVC, ASP.NET Web API 2
Client: UniCredit Consumer Financing

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