SOFTWARE Solutions

Automated data-driven decision making

Software solutions for every step of the customer credit lifecycle

Qarar’s SmartSuite risk management software is built to support you throughout the customer credit lifecycle.

It automates data-driven decision making to streamline processes, increase efficiency, and ultimately improve profits in each phase, whether it is acquiring customers, customer management, collections and recoveries.

There are four Smart software tools for each phase of the customer credit lifecycle, which are, AppSmart, DecisionSmart, CollectSmart and BureauSmart.

Always customised to your business and can be conveniently integrated with your core systems and internal and external databases.

Accessible through desktops, laptops, mobile devices and online.

Facility of local support with fast turnaround time for any issues or queries.

Can be installed on- or off-premise as a hosted solution.

Configurable to local markets and languages, including Arabic .

Comprehensive and flexible reporting at both micro and macro levels.

Fully secured web based interface.

Definable roles and permissions.

  • DecisionSmart is a market-leading strategic decisioning software solution providing real-time decision outputs to manage applications and decisions across the customer lifecycle.

    In this rapidly evolving digital market DecisionSmart enables lenders to be fully and quickly in control of their go-to-market and customer strategies, digitisation of risk strategies, changes to lending policies, or launch of new products. Decisioning sophistication is increased whilst reducing time to market. DecisionSmart provides the right predictive models, decision logic and business rules to support and manage these essential decision-making functions. DecisionSmart features financial risk modelling tools for managing customer applications and accounts that make it quick and easy to import, test and activate models without vendor reliance or recoding delays. It provides a powerful, flexible, and agile alternative to in-house decision engine builds, which enables business teams to combine processes and components quickly and easily into the solution.

    DecisionSmart’s graphical user interface enables lenders to enter predetermined strategies to make decisions on customers, treating every applicant as an individual while still developing the rapid and accurate results expected of a decision engine. Therefore, risk process control is in the hands of business users so that everyday tasks, new deployments and even product launches can be completed by the risk team, eliminating the need for reliance on development.

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      Facility of affordability calculations and internal fraud management.

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      Delivers user functionality to create, amend and implement policies, either individually or collectively as decision categories, providing for easy maintenance.

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      Bulk application import and unlimited analytics.

  • AppSmart is a platform built on industry best practice software allowing you, the lender, to manage your new customers and accounts in the easiest possible way whilst managing all risks and increasing profitability. With the ability to integrate multiple scorecards, this software streamlines the customer on-boarding process to decrease the time and costs involved in its operation, allowing you to focus on credit strategy.

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      Consistent, real-time decision making for customer on-boarding.

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      Revenue enhancement with the ability of setting the right terms for each applicant.

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      Fast experience leading to increased process volumes for lenders.

  • The need for the increase in credit portfolios has led lenders to relax lending policies, giving rise to increased risk in these portfolios. Collection and recovery of loans is therefore as much a strategised function as customer on-boarding and decision making. CollectSmart allows lenders to set loan recovery strategies via a graphic interface, and allows for the separation of different types of customers for different actions. It gives lenders the best control over revenue, costs and losses, infallibly ensuring an effective return on investment.
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      Real-time work status monitoring and MIS reporting.

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      Parameter driven for client control.

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      Full audit capability and flexible segmentation.

  • BureauSmart, an online data archive, is the best way for you to extract credit bureau and third party data, both real time and bulk acquisition. The software is first configured to your specific business requirements, with two days onsite deployment and testing by our consultants. Further, you can obtain more support and ongoing knowledge transfer as a part of your support and maintenance agreement with us.
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      LAN/WAN supported, runs on any TCP/IP network, supporting VM and cloud-based deployments.

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      Ability to test new products and customer segments on stored or managed data.

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      Reliable and cost-efficient solution for managing and extracting more value from data.