High counts, fast cycles — and reconciliation that stopped scaling
You run the vehicle co-lending book: thousands of small-ticket loans, disbursement cycles measured in days, and a partner NBFC whose systems were never built to agree with yours. At that volume, manual two-book reconciliation is the bottleneck — headcount grows with the book, and the checks shrink to samples. AssureCLA recomputes the arrangement controls per loan, at volume, from both REs’ own events, on a monitored cadence — with the vehicle pack adding the controls this asset class actually needs.
What this book has to keep proving
Every control below is recomputed from versioned inputs and versioned rules — so any finding is reproducible, and a clean result means something even at volume.
Per-loan recomputation, at volume
Every control on every loan, every cycle — not a sample. Sampling was what spreadsheets forced; at thousands of small-ticket loans a month, the breaches live in the loans nobody opened.
Retention & blended rate
Each RE's share and the borrower's blended rate, recomputed from the actual splits on every loan. Ratio-correct books can still fail loan by loan — and at volume, some do.
The 15-day booking window
Disbursement, partner acceptance, reimbursement and the GL posting — four events inside the window, evidenced per loan. High monthly counts are exactly where window breaches hide in the flow.
RC & registration evidence
The vehicle pack checks the registration record behind each loan — chassis, engine and borrower identity matched against the RC — so the asset the book is secured on is evidenced, not assumed.
Hypothecation & motor insurance
The lender's hypothecation recorded in the RC, and a live motor insurance policy with lender endorsement — tracked as evidence with state, not a checkbox from onboarding.
Classification sync & bureau files
Divergent DPD counts and single-sided bureau filings across two REs, caught per cycle. Each mismatch opens as a finding with an owner and a lifecycle — not a quarter-end spreadsheet hunt.
How a cycle runs on the vehicle book
Ingest
Both REs' loan, disbursement, escrow and classification events land as versioned inputs, alongside the vehicle pack's evidence — RC records, hypothecation, insurance status. The overlay reads both books; it never edits either.
Recompute, per loan
The rule pack recomputes every control over every loan — the work that used to be a sampled spreadsheet becomes a full pass each cycle, and a control without evidence is reported as unknown, never as a pass.
Work the findings
A window breach, a retention shortfall, a DPD divergence — each opens as a finding with an owner and a lifecycle: open, acknowledged, remediated, re-checked on the next cadence. The queue replaces the hunt.
Evidence on demand
When an inspector, auditor or partner asks, the evidence dossier is the by-product of operating the book — not a quarter-end assembly project across thousands of rows.
See the arrangement controls run at your volume
Start with the control that catches most vehicle books — the 15-day booking window — then see AssureCLA against your own arrangement mix. Shadow pilots run on a historical tape with zero integration.
An independent assurance overlay — signals and recomputed evidence for the REs’ own decisions. AssureLocker does not lend, decide classifications, or replace either RE’s systems of record.