Operations
Guide activities, documents and information inside a consistent workflow.
Credit management across the full lending lifecycle
Micra Credit Suite supports origination, monitoring, early warning, recovery and portfolio analytics while preserving information continuity.
WHAT IT DOES
MCS turns specialist work into a structured process.
Micra Credit Suite supports origination, monitoring, early warning, recovery and portfolio analytics while preserving information continuity.
Control
Keep statuses, deadlines, responsibilities and exceptions visible.
Management
Turn operational data into portfolio views and decision support.
MCS MODULES
Five specialised modules, one continuous credit process.
Explore the individual modules that cover origination, monitoring, early warning, recovery and portfolio analytics.
01 · ORIGINATION
Loan Origination
Structured acquisition, underwriting, credit decision and final controls.
Explore module → 02 · MONITORINGCredit Monitoring
Continuous monitoring of positions, events, indicators and changes requiring attention.
Explore module → 03 · EARLY WARNINGEarly Warning
Indicators, thresholds and anomalies to identify positions that need timely action.
Explore module → 04 · RECOVERYCredit Recovery
Collection, out-of-court and legal recovery with documents, costs and performance controls.
Explore module → 05 · ANALYTICSLending Analytics
KPIs, segmentations, trends and drill-down views built from operational credit data.
Explore module →WHO IT IS FOR
Built for a specific operating context.
Banks and financial institutions that want information continuity across origination, monitoring, early warning, recovery and analytics.
Guide the work
Activities, information and documents are organised around the process rather than scattered across separate tools.
Make the process observable
Operational data becomes a basis for portfolio views, SLA monitoring, exceptions, KPIs and management reporting.
Use the history
Operational information can be consolidated into trends, workload views and decision support appropriate to the process.
OPERATIONAL FLOW
From input to managed outcome.
The exact configuration depends on the organisation, but the product is designed around a clear, traceable sequence.
01Acquire the position
02Apply rules & checks
03Manage activities & documents
04Handle exceptions
05Measure outcomes
INTEGRATION
Part of the information system, not another isolated island.
Designed to work with existing banking data, master data, document services and surrounding enterprise systems.
Process → Control → Result → Management.
WHO IT IS FOR · ORGANISATION
Which teams are involved inside the organisation.
Beyond the target market, the solution typically involves different teams depending on whether they use the product, own the process or govern its adoption.
Operational users
- Credit Origination / Credit Approval
- Credit Monitoring
- Credit Recovery
Process owners
- Credit Division / Head of Credit
- Credit Risk
IT, security and governance
- IT Architecture / Integration
- ICT Security / CISO
- Compliance
- Organisation & Process Management
The exact organisational model varies by customer; these are the functions most closely connected to the process supported by the product.
MCS
Discuss workflow and integration.
DEPLOYMENT & SECURITY
On-premise or SaaS. The same solution in the deployment model that best fits your organisation.
All Micra products can be deployed on-premise or provided as SaaS on Micra infrastructure. Architecture, security, operational resilience and governance are designed in line with the applicable requirements of DORA and NIS2.
On-premiseMicra SaaSDORANIS2