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Loan Securitization
Segregating the assets on the basis of quality and providing a quality score that helps investors take informed decisions

Loan Securitization

Tech Mahindra, in collaboration with its partner, has built a loan securitization platform that caters to the requirements of loan originators, issuers, investors, and rating agencies. Currently, the loan originator faces issues with regards to free cash flows as it is unable to sell portfolios. Similarly, the investors on their part, are concerned about the quality of the securitized assets. Our platform addresses these concerns by providing a real-time view of the securitized assets to all key stakeholders. It also utilizes AI for segregating the assets on the basis of quality and provides a quality score that helps investors take informed decisions. The platform has been built on Hyperledger Fabric.

Platform Benefits
  • AI-enabled Comprehensive Due Diligence & Reconciliation
    • AI-driven review of individual loan contract and reconciliation with loan database
  • 50% Reduction in Time for Structuring Transactions
    • Payment waterfall automatically triggered and executed once payments are received
  • Real-time Portfolio Monitoring & Dynamic Rating
    • Rating, review and real-time update of rating
    • Real-time portfolio updating based on the services provided
  • Lower Cost for Lenders, Lower Risk for Investors
    • Common platform for lender and investors with high level of trust, ensuring a better deal for credible lenders; better risk/reward for investors

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