The lifecycle, left to right. Start anywhere.
The instruments
What each one takes in, and hands back.
Every analyst is built the same way: it reads, it flags, it asks. Nothing is recorded until a person confirms it.
Finline KYC
LIVEAI-guided onboarding interviews for account opening and guarantors. One step at a time, every field confirmed by the officer.
IN NIC / driving licence, utility bill, contact details, purpose & funds
OUT Approved record + files → zip, verification or core banking
Document OCR
Reads NICs, licences, bills and PDFs in Sinhala, Tamil and English. Confidence-gated; rejects poor scans with a reason.
IN JPG, PNG, PDF. Both sides in one file allowed
OUT Structured fields, a confidence per field, English translation
Finance Risk Analyst
Concentration, counterparty and early-warning analysis across the book, written up as a memo with every number traced to its source.
IN Loan book, collateral register, exposure and arrears exports
OUT Risk memo, watchlist, concentration views for committee
Bank Statement Analyst
Turns months of statements into a verified income report for the loan file: salary, business inflows, obligations, flags.
IN 3–12 months of statements, PDF or scanned, any local bank
OUT Income report with debt-to-income, attached to the file on confirmation
Cash Pool Management
Consolidated liquidity across branches and accounts, 7- and 30-day forecasts, sweep and top-up recommendations for treasury to approve.
IN Account balances, branch cash, scheduled disbursements, collections forecast
OUT Pool position, forecast, approved movements with an audit trail
Settlement Pattern Analyst
Reads instalment histories to find who pays early, who slips, and the drift that precedes arrears, so collections act early.
IN Repayment ledger, schedules, contact outcomes
OUT Behaviour segments, drift alerts, a prioritised collections queue
Borrower Profile Prediction
Before disbursement: the repayment behaviour to expect, an affordability band and suggested terms, with every factor explained.
IN Application, income report, settlement history of similar profiles
OUT Profile, factors, suggested instalment date and tenor; officer decides
One workspace
They share more than a login.
One case file
A document read during KYC is already there when the Statement Analyst or Borrower Profile needs it. No re-uploads, no re-keying.
One confirmation model
Every analyst asks before it records. Approvals carry the officer’s name and time, so audit reads the same everywhere.
One handoff
Export as zip, send to verification, or push to core banking after a confirmation dialog: the same three doors on every case.
Start small
Deploy one desk, add the rest.
Most institutions start where the paperwork hurts most. Three common starting points:
ONBOARDING DESK
KYC + Document OCR
Branch and field onboarding in three languages, with a public upload link for customers.
CREDIT DESK
Statements + Borrower Profile + Settlement Patterns
Faster loan files, explained decisions, earlier collections.
TREASURY & RISK
Cash Pool + Risk Analyst
A daily liquidity position and a weekly risk memo, both traceable to source.