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Case study · BFSI · Alternative lending

UTI Alternative —
Lending Management.

SectorPrivate credit / alternative lending
Built on AveroicWorkflow + Forms + Compliance + Audit
Go-liveWeeks, not a year
60%
Faster loan-approval turnaround
Days→min
Board & regulatory reporting
100%
Decisions captured with an audit trail
1
Platform for the whole lifecycle
The engagement

From inbox-and-spreadsheet to one auditable system.

Challenge

  • Traceability issues — fragmented data, audit gaps
  • Manual forms & spreadsheets — slow, error-prone
  • Approvals scattered across emails — no central log
  • Missed / delayed compliance — penalty & reputation risk

Solution on Averoic

  • Portfolio & company management — one source of truth
  • Meeting & decision committees — schedule, document, track
  • Compliance & regulatory tracking — checks & audit trails
  • Approval & authorization flows — limits, exceptions, docs

Outcome

  • Better portfolio visibility — data-driven decisions
  • Stronger compliance & risk control — proactive monitoring
  • Faster decisions — automated workflows replace email
  • Improved auditing — clear accountability, audit-ready
Under the hood

A 5-stage credit-approval workflow.

Maker-checker, finance edit, committee quorum and conditional auto-approval — modelled in BPMN 2.0, enforced by the platform, recorded automatically.

Process · 01Portfolio & Approval
01Loan / Investment intake
02Investment Committee
03Conditional Approval
Process · 02Mgmt Committee
05Mgmt Committee request
06Quorum review
07Approval granted
Before / after

What changed.

Before — spreadsheets & emailAfter — Averoic
Approvals buried in email threadsGoverned workflow with enforced authorization limits
Committee decisions undocumentedScheduled committees — decisions & action items tracked
Audit gaps & access driftBuilt-in audit trail, IAM-grade access control
Month-end reporting scrambleLive dashboards; board packs in minutes, drill-down to any loan
What UTI runs on

The configuration behind the outcomes.

Real screens from UTI's Averoic workspace — every flow, form and rule, configured not coded.

Workflow enricher — committee assignment & quorum
Workflow enricher — committee assignment, quorum thresholds and SLAs on every approval task.
Role permissions with ABAC scope
Role permissions — fine-grained, per-action access with ABAC scope for each lending role.

"[One sentence from UTI leadership — the single most valuable line on this page. Confirm with the client before publishing.]"

— Name, Title · UTI Alternative

Your turn

Run your lending the same way — audit-ready by default.

If you're an alternative lender still on spreadsheets and email, this is the same system, adapted to your process, live in weeks.

Book a demo →