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Step 15 of 15 · Loan origination example · topic 2 of 3

Six stages

Who does what, and which features make it work

StageWhoWhat happensFeatures used
1. OnboardingApplicant, field sales officer (mobile)Lead captured on the phone, mobile OTP, ID and selfie upload, consentMenus · Document Analyzer · Integrations
2. Quick data entrySales officerKey fields, dedupe check, credit bureau pull, instant repayment-risk scoreScreen Designer · Decision Models
3. Detailed data entrySales officer, applicantCo-applicants, business, bank statements, GST, financials, collateral; statements read automaticallyScreen Designer · Document Analyzer
4. Credit processCredit officer, field investigator, valuer, legal officerParallel checks, financial-distress score, policy deviations, credit memo, approval at the right level of authorityWorkflow · Decision Models · Users and Roles
5. SanctionApprover, applicantPricing and profitability view, repayment schedule, sanction letter, OTP acceptanceDecision Models · Integrations
6. DisbursementOperationsChecklist, bank-account check, payment request and confirmation, hand-off to the loan systemWorkflow · Integrations
Each score appears at the stage that uses itThree dials placed on the six-stage line: repayment risk 0.7 percent at quick entry, financial distress 8 percent at credit, and risk-adjusted return 21 percent at sanction; example values.OnboardingQuick entryDetailed entryCreditSanctionDisbursement0.7%repayment riskQuick entry · M018%financial distressCredit · M0221%vs 15% hurdleSanction · M14Example models and values · not qualified for lending decisions
Meera Traders' scores appearing at the step where each is calculated.
Everyone sees where the case isA progress tracker for the example case: onboarding, quick entry and detailed entry completed, credit in progress, sanction and disbursement waiting.Case LO-2026-00042 · Meera TradersOnboardingCompletedQuick entryCompletedDetailed entryCompleted4CreditIn progress5SanctionWaiting6DisbursementWaiting
A tracker filling as the case moves from lead to disbursed.

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Updated 30 September 2026