A proposal for S P Setia Berhad
Keystone
The financing-recovery ladder: every bank-rejected buyer routed back to a full-price sale.
- English and Bahasa
- Deterministic engine, 841 automated checks
- Demo data, resettable
- Prepared by
- Univa
- For
- S P Setia Berhad
- Status
- Working prototype, demo data
- Live
- spsetia.univa.my
The surfaces
Three products, one engine, one set of files.
Buyer app
The journey a declined buyer walks: consent, statement, assessment, and the rung the engine routes the file to.
OpenSales app
The gallery team screen: declined leads waiting, the pipeline by rung, the unit book, and the invitation that opens a file.
OpenCommand console
The operator desk: cohort KPIs, every file by rung, plan edits, and the graduation handoff to a lender.
OpenThe web tier
The three desks the ladder is worked from.
Perdana Heights portal
The township site a buyer arrives at: the unit grid, an SJKP quick check, and the door that opens when financing is declined.
OpenBank partner desk
A panel institution reads the dossier the engine built, sees the guarantee tier, and returns an approval or a decline.
OpenBridge (SPV) desk
The Islamic SPV holding the rung-2 units: rent collected, credit accumulated, on-time rate, and who is ready to graduate.
OpenThe recovery module
The argument, and the channel it reaches a buyer on.
The ladder is the product. It is written out once as a page a buyer can be sent cold, and it runs once as the coaching channel a buyer already on rung 3 actually replies to.
Proposal documents
The paper behind the build.
- DeckThe proposal, as presented.Deck
- Business caseRecovery volume, unit economics, and the shape of a pilot.Document
- Legal and regulatory annexWhere the ladder sits against HDA, SJKP, PDPA and the Shariah view.Document
- Company profileUniva: who builds it, and what has shipped before.Document
- Product portfolioThe wider product line this engine belongs to.Document