End-to-end processing
Connect customer channels, decisioning and loan administration in one platform for faster, consistent processing.
Launch and manage consumer lending at speed
A single platform for the full consumer credit lifecycle. Built for fast decisions, scale, and regulatory control.
Platform Philosophy
Consumer lending platform principles
Configurable and compliant
Configure products, policies and operational workflows to match your business, while meeting enterprise security and compliance standards.
One continuous data flow
Capture data once and carry it through every stage of the lending lifecycle, reducing rekeying and duplication.
Platform Proof
Key platform stats
< 1 minute
Generate conditional loan offers, available 24/7
500+
Configuration options for flexible lending journeys
up to 100%
Straight-through processing across the lending lifecycle
99.8%
Platform uptime for reliable lending operations
Platform Overview
Platform components
Origination channels
The entry point for every lending journey. Applications enter through digital channels, partner journeys or direct APIs.
Collect & Conclude
The document and data automation engine. Extracts and validates information, reducing manual review and accelerating processing.
MidOffice
The origination and decisioning engine. Automates assessment, affordability, data checks and document requests, with manual review when needed.
BackOffice
The lifecycle servicing engine. Manages contracts, payments, interest, changes and servicing through to final repayment.
Recovery Add-on
The arrears and recovery engine. Manages configurable treatment plans, payment arrangements, forbearance and escalation.
Data Lake
The unified lending data layer. Provides one API-accessible source for reporting, analytics and regulatory submissions.
Lending Flexibility
Consumer loan types supported
Personal loans
Fixed-term lending with configurable rates, terms and repayment structures
Revolving credit
Flexible credit facilities with configurable limits, repayments and interest structure
Green loans
Purpose-based lending supporting financing for sustainable products and improvements
Auto and asset-backed loans
Secured lending with configurable collateral, including vehicles and other assets
Retail & dealer finance
Indirect lending distributed through dealer and retailer channels
Secured & unsecured loans
Flexible lending structures with or without collateral
Lender Types
Built for different lending models
Retail banks
Run consumer lending on a configurable platform, with flexibility to support additional banking products as your business evolves.
Specialist consumer lenders
Configure products, pricing and risk policies with less reliance on development, accelerating new lending propositions.
Embedded finance providers
Embed lending into digital customer journeys through API-first integration and branded customer experiences.
Migration Support
Move from legacy with confidence
Transition existing loan portfolios to Ohpen with minimal disruption. Automated mapping and validation reduce migration effort, while customer-facing channels remain operational throughout the transition.
Platform Benefits
What this delivers
Lower operating costs through automated, event-driven processing
End-to-end processing from origination to servicing
Faster lending decisions through intelligent automation
Flexible configuration across products, pricing and journeys
Enterprise-grade security and regulatory controls
See Ohpen in Action
Book a demo
Build the products your customers cannot get elsewhere.
A flexible, proven end-to-end platform and a team that has done it before. Book a personalised walkthrough and see Ohpen handle your product line live.