Document Setup

Welcome to Document Setup

The Document Setup Module allows users to create, edit, and delete document types that will be required during the loan origination process.

Proper document configuration ensures compliance with the National Credit Act (NCA) and helps maintain a consistent client profile.

Key configurations in this module include:

• Defining and classifying various document types.

• Establishing document requirement rules.

• Authorizing document limitations on loan types, categories and capture sources.

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Getting Started

To configure document types, select an existing document type from the table to edit or click the “+” icon to create a new document type.

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Step 1 - Defining Document Classes

Mobiloan supports a variety of document classes. Each document created must be assigned to one of the following predefined classes:

• Bank Statement (Client’s transactional history proof)

• Payslip (Income verification document)

• Other Income (Proof of income outside salary earnings)

• ID Document (Identity verification)

• Portrait (Client’s profile picture for records)

• Bank Card (Account verification document)

• Other (For any document that doesn’t fit a predefined category)

• Terminal Slip (Transaction slip from a payment terminal)

Other Document Type

• If the document does not fit into any specific category, select “Other."

• This will then allow you to create a customized name for the new document class.

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Step 2 - Configuring the Requirement Rule

Users must define how frequently a document must be provided. The following options are available:

• Optional: The document is not required but can be submitted. Users can toggle a bypass option if the document is skipped.

• Required Once per Client: The document is mandatory but needs to be submitted only once per client (e.g., ID document).

• Required on Each Loan: The document must be submitted for every new loan application (e.g., bank statement, payslip).

Document Validity Period

If a document is Required on Each Loan, users can define a validity period (in days) to prevent redundant re-submissions. For example, if a payslip is valid for 30 days, clients will not need to upload it again within that timeframe.

Best practice: Set validity to 30 days, as pay cycles typically follow a monthly schedule.

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Step 3 - Assigning Loan Types , Client Categories and Authorized Capture Methods

To finalize document configuration, users must specify:

• Loan Types: Select the types of loans for which this document will be required (e.g., first-time loans, top-up loans, repeat loans).

• Client Categories: Define which clients must submit the document (e.g., salaried employees, self-employed individuals, pensioners).

• Authorized Capture Source: Define which capture source will be presented to the user.

Proper document setup ensures compliance, reduces administrative errors, and streamlines the loan application process. ✅