The Business Operations Department of LOLC Finance PLC .

[Audio] the Business Operations Department of L-O-L-C Finance PLC. Driving Excellence in Lending Operations.

.[Audio] Welcome to Business Operations. The Business Operations Department is playing a vital role at L.O.L.C Finance PLC by driving both operational excellence and strategic success. This presentation is outlining our structure, responsibilities, and the key roles we are performing in the lending process.

[Audio] Department Framework. The Business Operations Department is currently operating under two primary segments: Segment 1 - Branch Business Operations. Handling lending facility processing at the branch level. Managing security documentation as per facility approval terms and conditions. Monitoring compliance with internal policies and regulatory requirements. Facilitating ownership transfers where applicable. Coordinating with all related parties to ensure smooth processing.

[Audio] Department Framework- (continue.) Segment 2-Central Operations – Centre of Excellence (COE): The COE is managing centralized disbursement operations for over 205 branches through four dedicated disbursement units. The WPC Unit is disbursing lease facilities up to rupees two million, mainly for 2- and 3-wheelers. The FD Loan Unit is handling loans backed by fixed deposits. The Micro Loan Unit is managing all microfinance disbursements. The SME Payment Unit is covering all other lending products not handled by the above units..

[Audio] Core Responsibilities. The Business Operations team is playing a key role across the lending lifecycle by. Executing security documentation processes for lending products. Ensuring full compliance with regulatory requirements and internal policies. Managing accurate and authenticated data to maintain transparency. Monitoring service level agreements for consistent service delivery. Coordinating across internal teams to enhance operational efficiency,.

[Audio] Compliance & Quality Assurance Before the disbursement of a lending facility, we ensure: ✅ Compliance with regulatory guidelines and external directives. ✅ Full adherence to internal company policies. ✅ Accuracy of documentation and integrity of data. ✅ Alignment with the approved terms and conditions of the lending facility. ✅ SLA tracking to ensure customer satisfaction and timely service delivery..

[Audio] Lending Facility Disbursement Workflow Step 1: Branch Send Disbursement Request via OASYS Branches submit disbursement requests through the OASYS platform, either as physical files or scanned images. These requests are categorized into eight tracking options based on file type (physical or scanned), status (new or existing), and Facility type (Conventional or IBU). This categorization ensures efficient tracking and streamlined processing of requests ..

[Audio] Lending Facility Disbursement Workflow - (continue.). The 8 Tracking Options in OASYS are: Physical File Tracking – New. Physical File Tracking – Existing. Scan File Tracking – New. Scan File Tracking – Existing. I-B-U Physical File Tracking – New. I-B-U Physical File Tracking – Existing. I-B-U Scan File Tracking – New. I-B-U Scan File Tracking – Existing. This categorization helps streamline the tracking and processing of requests.

[Audio] Step 2: Disbursement Request Acceptance and QC Process. The disbursement request is accepted by a COE user in the OASYS system. The Quality Check (QC) process begins at this stage. Step 3: Reviewing and Validating the Following Areas. Approval Terms: Checked in the BPR system. Related Documents: Validated in the Document Management System (DMS) within BPR. Data Quality: Verified based on the information entered in BPR/Fusion systems..

[Audio] Lending Facility Disbursement Workflow (continue.) Step 4: Verifying Compliance Requirements. Both external and internal compliance requirements are thoroughly checked and validated. Step 5: Verifying Security Documentation. Ensure all necessary legal and collateral documents are complete and accurate. Step 6: Validating Ownership Transfer. Confirm the validity of ownership transfer, including Absolute Ownership and Mortgage Deeds etc. ..

[Audio] Lending Facility Disbursement Workflow - (continue.). If Any Requirement is Not in Order. The file is being returned to the branch via OASYS for correction. The branch is correcting and resubmitting the file again through OASYS.

[Audio] Upon Completion of All Requirements Once all necessary checks have been successfully completed: ✔️ Approval ✔️ Data Quality ✔️ Compliance ✔️ Security Documentation ✔️ Ownership Transfer ✅ Business Operations grants authorization 📤 The file is then forwarded to the Finance Oparetions for disbursement..

[Audio] Communication and SLA Tracking All disbursement activity and status updates are communicated through OASYS notifications to related parties This ensures clarity and improves understanding among branch staff/ related parties The entire process is aligned with defined Service Level Agreements (SLAs) for timely and accurate processing.

[Audio] Operational Excellence in Action The Business Operations team ensures each disbursement is: ✔️ Accurate ✔️ Compliant ✔️ On Time ✔️ Customer-Centric (for both internal and external clients).

[Audio] Summary Complete and compliant disbursement processing. Inter-system coordination across BPR, DMS ,Fusion, and Documentation systems. Strong collaboration with Finance and Branch teams. Continuous communication to improve speed, transparency, and service quality..

[Audio] Thank You. We appreciate your time and attention. Business Operations Department. L-O-L-C Finance PLC.