Software for NBFCs and financial services firms
In short
Berri is a new technology company in India that builds software for NBFCs, lenders and financial services firms. It can track loan files from application to disbursal, give collection teams one daily list of dues, and turn loan system exports into clear portfolio reports. Customer financial data carries legal duties, and Berri reviews them with each client first.
What breaks every day
Loan applications wait for one missing document, a field visit or a credit approval, and nobody can see how many files are stuck at each step or for how long. Customers call the branch to ask, and the branch calls head office.
Collection staff work from lists printed or shared in the morning. Promises to pay, visit notes and part payments are written down in different places, so the next day's list is already out of date.
Management and lenders ask for portfolio numbers by branch, product and overdue bucket. Someone builds them by hand from loan system exports, and two reports made a week apart rarely agree.
What a first version could do in two weeks
A first version could be a loan file board showing every application, the step it is at, what it is waiting for and how many days it has waited, by branch.
With it, a daily collection list for each staff member, updated as they record calls, visits and promises from a phone. A monthly portfolio report built the same way every time from your loan system exports could follow.
This is a proposal for a starting point. What we can connect depends on your loan management system, and we will confirm it in the first week.
How Berri works with you
Customer financial data is personal and sensitive, and lenders carry legal and regulatory duties on how it is used and kept. In week 1 we review those duties with your compliance team, sit with branch and collection staff, and then give you a fixed price in writing.
Usually in week 2 a first version runs on agreed data. Then we run it, fix what breaks and train your teams. The data stays yours and can be exported at any time.
Who it is not for
If you need a core loan management or accounting system, buy one from a vendor built for lending. Berri connects to it, it does not replace it.
Berri does not make credit decisions, set interest rates or give financial advice. Those stay with your credit team and your policies.
Common questions
How can an NBFC track loan applications stuck at each stage?
Put every application on one board with its current step, such as documents, field visit, credit or disbursal, and the days it has waited there. The longest waits by branch become visible at once. Berri can build this from your loan system exports as a first version, and a daily summary can go to branch heads each morning.
How do I give collection agents an updated list of dues every day?
Build each agent's list from the loan system each morning, then let them record calls, visits, promises to pay and part payments from a phone. Tomorrow's list reflects today's work automatically. Berri can build this as a first version. Collection practice carries rules on how customers may be contacted, so we review the messaging with your compliance team first.
Can I send EMI reminders to customers on WhatsApp?
Yes, with care. A WhatsApp assistant can send a reminder before the due date and answer simple questions such as the amount due, using wording your compliance team approves. Customer financial data carries legal duties, so Berri reviews what the assistant may share and how consent is recorded before anything goes live. Staff can see every message sent.
How do I make portfolio and overdue reports that always match?
Build them from one set of loan system exports with the same rules every time, instead of by hand each month. Reports by branch, product and overdue bucket then agree with each other and with last month. Berri builds reports and analytics from exports like these. You own the definitions, and the report only applies them consistently.
Is my customers' financial data safe with an outside software firm?
That should be checked, not assumed. Customer financial data is personal and sensitive, and lenders have legal and regulatory duties on storage, access and sharing. Berri reviews these with your team before building, keeps access limited to what each tool needs, and leaves the data in your control and exportable. A security checkup of your systems is also available as a trial.
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