NBFC Lending Stack
Complete digital lending stack for an NBFC, 4 months flat. Integrated KYC, credit scoring, disbursement, and repayment.
Industry
FinTech, Lending
Scope of work
Design, Product Management
Duration
4 months
Challange
Legacy NBFC need state of the art consumer lending technology, but existing vendors lacked speed and craft..
An NBFC needed an RBI-compliant lending ecosystem for complex loan products. No existing vendor could move fast enough. They also needed real-time credit decisioning but were stuck with hardcoded rules, Excel-based policies, and manual reviewer queues. Policy changes took weeks of engineering deploys.
Solution
Built comprehensive Lending Management System, Loan Origination System, and Collections stack from scratch. Visual expression builder for credit analysts to construct underwriting logic without code.
Integrated KYC, credit scoring, disbursement, and repayment workflows end-to-end. Full deployment and rigorous financial audits passed in just 4 months. Compiled artifact runtime cached in Redis — no database queries at evaluation time. Maker-checker governance with five-state policy lifecycle and enforced separation of duties. Complete data and policy isolation per NBFC through multi-tenant architecture
impact
A compliant, easy to use, loan product that can process thousands of loans daily.
A fully compliant, auditable, and scalable lending engine now driving the client's core revenue. NBFCs now execute complex lending policies at 1,000 transactions per second with sub-50ms latency. Policy changes go live in minutes, not weeks.
