MFI workspace

The digital backbone of your institution.

Seven hierarchical roles, a full credit workflow, real-time dashboards and a compliance-ready audit trail. Qredon is built for the daily life of an MFI.

Seven roles, seven views

Each role has the view that matches it.

The MFI hierarchy is at the core of the data and permission model. Neither too much nor too little: each user sees what they need to decide.

ADMIN_IMF · N7

MFI Administrator

Configures the institution in Qredon: users, settings, modules, compliance.

  • Manages institution settings
  • Configures active modules
  • Creates and manages internal users
  • Reviews audit trail and quotas
DG · N6

CEO / General Manager

Drives the MFI strategy and arbitrates critical decisions.

  • Approves loan requests above threshold
  • Configures credit policy
  • Manages loan products
  • Full access to all data
DR · N5

Regional Manager

Supervises the branches in their region and consolidates performance.

  • Supervises regional branches
  • Approves exceptions
  • Manages regional users
  • Consolidates regional KPIs
DA · N4

Branch Manager

Responsible for branch performance and portfolio quality.

  • Approves loan requests under threshold
  • Verifies KYC
  • Owns portfolio quality
  • Manages field officers
SC · N3

Credit Supervisor

Quality control on files and risk analysis.

  • Quality control on files
  • Verifies advanced KYC
  • Credit risk analysis
  • Manages exceptions
AGENT · N2

Field Officer

First point of contact with the borrower, from KYC to file preparation.

  • Registers borrowers and documents KYC
  • Enters loan applications
  • Follows ongoing files
  • Flags observed delays
CAISSIER · N1

Cashier

Collects repayments and manages the branch cash desk.

  • Records payments (cash, cheque, transfer, mobile)
  • Issues payment receipts
  • Tracks daily due dates
  • Reconciles cash at end of day

The credit journey

From signup to disbursement, traced end to end.

Every step is documented, timestamped, assigned to an actor. No file disappears in an inbox.

  1. Step 1Borrower

    Borrower signup

    Borrower signs up via portal or mobile app. Dual OTP SMS + Email, no password needed.

  2. Step 2Borrower

    KYC completion

    5-step form: personal info, professional info, ID card front/back, selfie. Consent validated via OTP before submission.

  3. Step 3Officer

    KYC validation by officer

    Officer compares selfie and ID remotely from their desk, can request additions or reject with reason.

  4. Step 4Borrower

    Loan application

    Borrower submits application (product, amount, term). Real-time simulator, draftable, 10-min submission.

  5. Step 5Branch Manager

    Branch Manager review

    Branch Manager checks repayment capacity, scoring, file consistency, then forwards up the hierarchy.

  6. Step 6CEO

    Regional / CEO approval

    Depending on the amount, Regional Manager or CEO approves or rejects. Hierarchical workflow traced in audit log.

  7. Step 7System

    Disbursement and tracking

    Disbursement recorded, repayment schedule auto-generated. Pre-due notifications and automatic receipts after each payment.

Daily tools

The modules your teams use every day.

Designed with sector operators, not retrofitted from generic banking software.

Hierarchical approval workflow

Each role validates its step in a configured cascade (Agent → BM → RM → CEO). Full audit trail on every transition.

Real-time PAR dashboard

PAR 30/60/90 days continuously computed, automatic alerts on delays, drill-down by branch and officer.

Multi-branch, multi-region

Hierarchy CEO → Regional Manager → Branch Manager → Supervisor → Officer, with visibility adapted to each level.

Trilingual FR / AR / EN, native RTL

Interface available in French, Arabic (RTL) and English. Full Arabic support from phase 1.

Multi-channel notifications

SMS, push (mobile and web), email and in-app. Per-user notification center, channel preferences, automatic payment receipts.

KYC validation queue

Dedicated workflow to validate self-registered borrowers (OTP or Google): ID review, selfie comparison, request for additional info, or motivated rejection.

Built-in credit scoring

Score computed on every application, decision (approve / decline / manual review) and explicit factors, history kept per borrower. SCORING step traced in the workflow.

Let's see your credit process in Qredon.

Our teams can tailor a demo to your own credit policy. Let's schedule 30 minutes.

Request a demo