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Faizaan Ghauri

Chief Strategy Officer

Peter Minshall

Executive Vice President

Eva Kellershof

VP Sales – North America
and Europe

Haider Naqvi

Chief of Staff

Nandhini Subramanian

Field Marketing Manager, Americas

Captive of the future: How technology is reshaping
captive finance operations

Explore how AI, automation, and EV trends are transforming captive finance and accelerating modernization.

Purpose-built for modern asset finance operations

From origination through servicing and wholesale operations, Transcend Finance connects every stakeholder—customers, dealers, underwriters, and finance teams—while ensuring compliance and operational control across the entire contract lifecycle.

Capabilities across the contract lifecycle



Fast, accurate originations

Digitize onboarding and asset-class-specific workflows to accelerate funding decisions while maintaining compliance and data integrity.

Data-driven credit execution

Apply approved lending policies and process flows to ensure consistency in decision-making across teams and geographies.



Efficient contract servicing

Manage contract changes, restructures, and customer servicing through configurable workflows, maintaining consistent data and operational control.

AI-driven asset finance platform that delivers speed,
accuracy and compliance

With configurable compliance, flexible workflows, and a modular design, Transcend Finance
delivers faster decisions, streamlined operations, and proactive portfolio management.

Conversational credit
assistant

Chat-based insights and actions for credit teams—ask, analyze, and act instantly to boost productivity and decision speed.

Intelligent document
processing

Extract critical financial data from tax returns, bank statements, and contracts, with validation and discrepancy detection for faster, more accurate credit assessments.

 

Automated credit rule
generation

Convert complex lending policies into automated credit rules to ensure consistent, compliant decisions without manual interpretation.

Credit & risk reports

Deliver SWOT analysis, applicant and asset insights, and credit memos—streamlining evaluation and enabling confident decisions.

Finance structuring

Build optimized, risk-aligned finance terms tailored to each borrower’s profile, credit policy, and asset type.

 

Portfolio & risk segmentation

Identify applicant patterns using historical data to refine risk strategies and improve approval quality.

AI in action for lending teams

AI as your
credit analyst 

Automates financial ratio calculations, risk profiling, and document verification — delivering complete borrower assessments in seconds.

AI as your
underwriter

Reviews applications, recommends optimal loan terms, and generates policy-aligned stipulations for faster, consistent approvals.

AI as your
risk manager

Identifies early warning signs, runs sensitivity checks, and factors in market trends to improve default prediction.

AI as your
compliance officer 

Ensures every credit decision is audit-ready, bias-mitigated, and compliant with multi-market regulations.

 

Featured Reads and Insights

Stay informed with the latest from NETSOL—thought leadership, product
updates, industry perspectives, and company news, all in one place.

Brochure

Explore the Future of
Asset Finance & Leasing

Download

Whitepaper

The AI Transformation
Playbook for Auto Captives

Download

See how Transcend Finance can help you reduce costs, speed up
decisions, and stay ahead in asset finance.
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About Salient

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Unit 345
2500 Castle Dr
Manhattan, NY

T: +216 (0)40 3629 4753
E: [email protected]