Overview
Name
An automotive finance platform
Industry
Business Services
Faced with fragmented business processes across client onboarding, vehicle valuation, risk assessment, loan management, repayment tracking, and automatic collection, the automotive finance platform partnered with a HAP technology provider to build an integrated platform. Leveraging HAP's digital capabilities, the platform significantly improved risk control and operational efficiency: total loans of RMB 2 million and repayments of RMB 800,000 are now fully traceable, risk checks per transaction were reduced from 30 minutes to 5 minutes, overdue amounts are monitored in real time, and reconciliation accuracy exceeds 99%.
Challenge
The company faced fragmented data governance and process coordination across loan origination, vehicle valuation, maintenance/insurance, repayment scheduling, payment deduction tracking, and risk control—resulting in inconsistent data standards, manual verification bottlenecks, delayed delinquency alerts, and reconciliation challenges.
Fragmented Application Materials and Inefficient Manual Consolidation
Customer application materials are scattered across channels and files. Identity data for over 100 borrowers and 567 contact records must be compiled manually, leading to long collection cycles, frequent omissions and errors, and delays in onboarding and subsequent underwriting. Overall operational efficiency is low.
Inconsistent Vehicle Valuation Standards and Unlinkable Data
Vehicle valuation relies on external links with no unified standard, leading to inconsistent, hard-to-audit results. Repair and insurance records are not linked to asset data, undermining pricing and risk assessment accuracy and, in turn, distorting lending decisions and increasing potential losses.
Lack of a unified data platform and process automation
Operational data is scattered across disparate tools and files without a unified data platform or automated workflows. Inconsistent data standards and definitions prevent an end‑to‑end view of the customer lifecycle, constraining risk control closure and limiting operational scale-up.
Repayment plan management relying on Excel leading to delayed risk control
Tracking 1,896 repayment schedules entirely in Excel leads to scattered data, no automatic validation or reminders, and no timely delinquency alerts or collections. This causes missed or conflicting updates and version issues, resulting in inaccurate cash-flow forecasts and higher bad-debt rates.
Manual Reliance for Risk Control Data Verification with Insufficient Efficiency and Accuracy
Manual checks of 591 court records, judgment debtor screening, and mobile three-factor and ID two-factor verifications create a cumbersome, time-consuming process. Outcomes are prone to human error, hindering timely identification of high-risk customers, extending approval timelines, and elevating compliance risk.
Bank Card Binding And Debit Record Disconnection Causing Reconciliation Difficulties
Dozens of bank-card binding records and 189 debit entries cannot be linked systematically, forcing finance to reconcile transactions manually one by one. This leads to mismatches between books and cash, duplicate or missed postings, undermines settlement accuracy and audit compliance, and raises financial management costs.
Solution
The company built an integrated vehicle leasing platform on Nocoly HAP, unifying loan origination, risk control, valuation, disbursement, repayment, and deduction—spanning sales follow-up, real-time multi-model scoring, third-party data verification, automated deductions with account reconciliation, and role-specific training—all traceable, scalable, and standardized.
Data dashboards and role-based operations management
Build dual-layer dashboards for personal and enterprise-wide reporting. Key metrics—applications, conversions, disbursements, repayments, and delinquencies—are visualized in real time. Role-based training and permissions are supported across business, finance, and risk control. Each role’s dashboard links to workflow tasks, creating a closed-loop operating model for goal management, process monitoring, and results review.
Automated Risk And Compliance Verification With Real-Time Scoring
Integrate compliant modules for ID two-factor verification, mobile three-factor verification, and network tenure/status, and automatically screen court documents, judgment debtors, and special lists. Connect to 18 risk-control products from Bairong; apply 1,280 rules for real-time scoring and blocking. Risk outcomes are closed-loop in work orders, with automatic anomaly alerts and approval routing.
Financial expenses and deductions end-to-end reconciliation
Build a centralized ledger for multi-bank account management, with automatic linkage between card binding and debit records, and real-time sync of repayment plans and debit status. Tie disbursement, repayment, and delinquency data to customer contracts for unified views. Support automatic write-back of debit execution results and variance reconciliation, significantly improving financial reconciliation and cash turnover efficiency.
Vehicle valuation and full data integration
Integrate preliminary appraisals, maintenance and insurance records, and 25 categories of standardized imaging to build a vehicle valuation work order and verification checklist. Tie the valuation process to risk control and disbursement to ensure complete, traceable asset data, reducing appraisal variance and its impact on lending and pricing.
Integrated Lease Management Workflow Enablement
Built an end-to-end workflow on Nocoly HAP covering customer onboarding, risk assessment, vehicle valuation, loan disbursement management, repayment tracking, and automatic debit. Business milestones are standardized and status is tracked in real time, creating a unified operating platform that closes the loop from lead to funds. Modules are seamlessly connected via data flows, significantly reducing manual work and cross-system delays and errors.
Refined Follow-up on Sales Applications and Leads
Digitize customer intake, tier leads by intent and stage, and drive them through a clear, controlled pipeline. The system auto-triggers follow-up tasks and reminders to keep momentum and visibility. Intake data is reused downstream to boost team collaboration and enhance the customer experience.
Core Value
Automated Risk Screening with Multidimensional Coverage:Automated risk control covers over 100 ID verifications, 500 court documents, and multiple other data dimensions—including judgment debtors—enabling more comprehensive and timely risk identification.
Stable Growth in Lending Scale:Total loan disbursement exceeded RMB 2 million, driving continuous expansion of fund deployment and delivering robust support to business scale.
Customer and Contact Granular Operations:Systematically manage 100+ clients and 500+ contacts—centralizing customer data, relationship mapping, and communication history for faster, more controlled outreach.
End-to-end Repayment Traceability:Repayment total of RMB 800,000 is fully traceable—collection milestones, supporting documents, and accountability chains are transparent, enabling faster risk mitigation and dispute resolution.
Automatic Reconciliation for Finance Deductions:Automatically links over 100 financial deduction records to bank cards and matches reconciliation workflows—reducing manual intervention and errors.
Real-time Visualization of Overdue Risk:Real-time visibility into overdue amounts enables clear alerting and follow-up cadence, accelerating collections and risk control responses.
Near-Perfect Reconciliation Accuracy:Reconciliation accuracy enhanced to over 99%, significantly reducing discrepancies and streamlining financial accounting and audit processes.
Significant Improvement in Manual Verification Efficiency:Manual verification time per case reduced from 30 minutes to 5 minutes—83% faster. Accelerated approval and disbursement cycles.
