Ezemali Loans
Client Overview
Ezemali Loans is a South African consumer credit provider offering short- to mid-term personal loans. The company sought to modernize its operations by creating a fully digital loan origination ecosystem that would streamline onboarding, automate credit assessment, and ensure regulatory compliance with the National Credit Act (NCA).
The goal was to enhance decision accuracy, reduce processing times, and bring data-driven transparency to their consumer lending process.
Challenge
Ezemali Loans approached NovaCode Consulting to design and build a comprehensive, end-to-end loan origination platform that digitized the entire customer journey, from application and document upload to automated credit scoring, affordability checks, and final decisioning.
The platform needed to integrate seamlessly with the existing Loan Management System (LMS), support intelligent decision-making through AI and econometric modelling, and ensure that all credit decisions adhered to NCA affordability rules and compliance standards.
Our Solution
NovaCode Consulting developed a fully integrated loan origination platform that digitizes the entire customer journey.
Key components included:
- Customer Application Portal: Mobile-optimized web app for loan applications, document uploads, and instant eligibility updates.
- Automation & Integration Layer: Real-time credit bureau lookups, seamless LMS integration, and document parsing via Azure Document Intelligence (OCR).
- AI-Driven Bank Statement Analysis: Hybrid model using LLMs to detect income patterns, spending habits, and financial stress indicators, all anonymized for data privacy.
- Credit Scoring Decisioning Engine: Combines machine learning, business rules, and econometric models to deliver transparent and compliant lending decisions.
- Admin Portal & Analytics: Internal dashboard for loan monitoring, risk oversight, compliance reporting, and portfolio insights.
Impact
The solution empowered Ezemali Loans to:
- Approve loans faster and more accurately.
- Reduce manual errors and compliance risks.
- Gain deeper insights into credit behaviour through AI analytics.
- Operate transparently within South Africa’s regulatory framework.
Conclusion
Through NovaCode’s advanced AI and fintech development expertise, Ezemali Loans transformed into a data-driven, intelligent consumer lending institution. The new system unifies client onboarding, credit risk modelling, and affordability analysis into one compliant, automated environment, allowing Ezemali to:
- Make faster, fairer, and more accurate loan decisions.
- Enhance credit portfolio quality through predictive analytics.
- Operate with transparency and consistency under the National Credit Act.
This project demonstrates NovaCode Consulting’s ability to build AI-powered, regulation-aligned lending platforms that modernize consumer credit ecosystems across Africa.