Telios
Overview
Telios is a core banking and loan management platform for microfinance institutions and lenders. It configures loan, savings, share, fixed-deposit and recurring-deposit products, manages customer accounts and collateral, and enforces approval through a maker-checker workflow.
Client Name :
TeliosCategory :
Web App, FinTech
The Opportunity
A lending institution's product terms are its business model, and they change constantly — interest rates, repayment frequencies, charge structures, delinquency buckets. Hard-coding them means an engineering ticket every time the market moves. Telios needed product definition to be configuration, not code, while keeping every change under four-eyes approval.
The Result
Eliteware delivered a core banking platform that turns product terms into configuration under four-eyes approval:
- Product configuration across loan, savings, share, fixed-deposit and recurring-deposit types.
- Loan plan definition: principal, repayment count, nominal interest rate, repayment frequency, currency and decimal precision.
- Charges, collateral management, delinquency buckets, product mix, tax configuration and floating rates.
- Customer profiles with identity, documents, family members and notes, plus linked loan and savings accounts and upcoming charges.
- A Checker Inbox implementing maker-checker approval on sensitive operations.
- Institution, accounting, reporting, admin and self-service modules.
