Access your Back Office at your fingertips.
Download the app now on Google Play Store.
Scan the QR code
You can also scan QR code with your phone to download the app.
Understanding a user’s loan profile on Lendsqr
Updated
On this page
Introduction
A loan officer opens a borrower’s application. The borrower looks good on the surface, but something feels off. Their salary looks right, their documents are submitted, but their previous loan requests tell a different story. Three declined applications in the last six months, all for the same product.
Without a complete view of the borrower’s loan profile, that pattern stays hidden. With it, your team catches it before making a costly approval decision.
In the Lendsqr admin console, every loan application includes a complete loan profile that gives your team everything they need to thoroughly review a borrower. This guide explains what each section of the loan profile contains and how to use it effectively during the credit review process.
What is a user’s loan profile?
A user’s loan profile is a consolidated view of everything the Lendsqr admin console knows about a borrower in the context of a specific loan application. It brings together personal details, financial data, repayment history, document status, and automated decision checks into one place.
Your credit team does not need to switch between screens or pull information from multiple sources. Everything relevant to the approval decision sits within the loan profile, organized into distinct sections that each serve a specific purpose.
The sections of a user’s loan profile: application and financial data
Summary tab
The summary tab is the first thing you see when you open a loan profile. It displays the borrower’s name, their credit score, and a high-level view of their previous loan requests on your platform.
Use this tab to get an immediate read on the borrower before diving deeper. A strong credit score and a clean request history signal a lower-risk applicant. A low score or a pattern of declined requests signals the need for closer review.
Loan details
The loan details section contains the specifics of the loan the borrower applied for. This includes the principal amount, interest rate, tenor, repayment frequency, and any other product-specific parameters.
Use this section to confirm that the loan request aligns with the product configuration and that the amount falls within the borrower’s eligibility range. Discrepancies between what the borrower applied for and what your product allows are caught here before they reach the approval stage.
Cards and bank accounts
This section displays the bank account and card details linked to the borrower’s profile. These are the channels through which disbursements will be made and repayments will be collected.
Use this section to confirm that the borrower has a valid, active payment method linked to their account. A missing or unverified bank account can delay disbursement after approval. Catching this early prevents unnecessary hold-ups in the loan process.
Documents
The documents section displays all KYC documents the borrower submitted through the mobile app. It shows each document alongside its current status: pending, approved, or rejected.
Use this section to review submitted documents before making an approval decision. Click on any document to open and inspect it directly from the admin console. If a required document is missing or rejected, you can identify the gap here and follow up with the borrower before proceeding.
Loan fees
The loan fees section provides a full breakdown of the processing fees attached to the loan. This includes any disbursement fees, management fees, or other charges that apply to the product.
Use this section to confirm that all applicable fees are correctly configured and visible before the loan is approved. Transparent fee disclosure at this stage also reduces disputes after disbursement.
Loan schedules
The loan schedules section displays the full repayment schedule for the loan. For multi-tenor loans, this includes every repayment date, the amount due at each stage, and the outstanding balance after each payment.
Use this section to review the repayment plan before approval. You can also edit the schedule if adjustments are needed. This is particularly useful for restructured loans or cases where the borrower has negotiated a different repayment arrangement with your team.
The sections of a user’s loan profile: borrower history and decision data
Borrower’s details
The borrower’s details section contains the personal information submitted during onboarding. This includes their date of birth, phone number, email address, marital status, residential address, and other profile data.
Use this section to verify that the borrower’s personal details are complete and consistent with the documents they submitted. Inconsistencies between personal details and identity documents are a common fraud signal worth investigating before approval.
Education and employment
This section displays the borrower’s education level and employment information. It includes details such as their level of education, sector of employment, employment status, monthly salary, and employer details.
Use this section to assess the borrower’s income stability and repayment capacity. A borrower who declares a monthly salary significantly higher than what their employment details support is a profile worth scrutinizing more carefully.
Previous loans
The previous loans section displays all loans the borrower has taken and fully settled on your platform. You can click on any record to view the loan details, including the original amount, repayment duration, and whether it was repaid on time or late.
Use this section to assess the borrower’s repayment track record. A borrower who has consistently repaid previous loans on time is a lower-risk applicant than one with a history of late settlements, even if their current credit score looks acceptable.
Previous loan requests
The previous loan requests section displays all past loan applications submitted by the borrower, including those that were declined or failed to complete. You can click on any record to see the specific reason why the request was declined or unsuccessful.
Use this section to identify patterns in the borrower’s application history. Multiple recent declined requests for the same product may indicate that the borrower consistently fails a specific credit check. Understanding which check they are failing helps you make a more informed decision on their current application.
Decision data
The decision data section is the most critical part of the loan profile for credit assessment. It shows the output of every automated check the system ran against the borrower’s application based on the decision model configured for the loan product.
Each check appears with its result: passed, failed, or flagged for review. The decision data covers checks such as identity verification, credit bureau inquiry, fraud detection, affordability analysis, and behavioral scoring, depending on how your decision model is configured.
Use this section to understand exactly what the system found before making your final approval or decline decision. A borrower who passed all checks with strong scores is a very different proposition from one who passed with marginal results or triggered a fraud flag. The decision data gives you the evidence to support a consistent, defensible credit decision.
How Lendsqr brings it all together
The loan profile on Lendsqr is designed to remove the guesswork from credit decisions. Instead of piecing together information from multiple sources, your team reviews a single profile that surfaces everything relevant to the decision in one structured view.
This is particularly valuable for lenders who process high volumes of applications. When every loan officer follows the same profile structure, credit decisions become more consistent, faster, and easier to audit. A senior credit manager can review any decision and immediately understand what information was available and what the automated checks returned.
Can I approve a loan directly from the loan profile? Yes. The approval and decline options are accessible from the loan profile page. See Approving and declining a loan request on Lendsqr for the full process.
Can I edit the borrower’s personal details from the loan profile? Personal details can be updated from the borrower’s customer profile rather than directly from the loan profile. Navigate to the customer profile to make corrections before returning to the loan review.
What does it mean if the decision data shows a failed check? A failed check means the borrower did not meet the criteria defined in your decision model for that specific module. Depending on how your model is configured, a failed check may automatically decline the application or flag it for manual review. Review the failed check and apply your credit policy to determine the appropriate next step.
Who can view a user’s loan profile? Any team member with the appropriate role and permissions can view loan profiles. The ability to edit schedules or take approval actions may be restricted to specific roles depending on your organization’s configuration.
