Digital Transformation
Digital Lending Platform Implementation
Standing up a compliant, scalable digital lending stack for a fast-growing NBFC without slowing loan disbursal.
The Problem
A growing NBFC needed to launch a fully digital lending platform to compete with fintech-native lenders, but existing infrastructure could not support real-time underwriting, e-KYC, or the regulatory reporting the business required.
The Approach
Led architecture selection across core lending, underwriting, and e-KYC platforms, with parallel workstreams for regulatory mapping, integration design, and phased rollout to limit disruption to live disbursal volumes.
The Solution
Delivered an API-first lending stack integrated with credit bureaus, e-KYC providers, and payment rails, with automated regulatory reporting and a security architecture built for RBI outsourcing and data-localization requirements.
Business Impact
- Loan disbursal time reduced from days to under an hour
- Straight-through processing achieved for a majority of retail loan volume
- Zero regulatory findings across subsequent IT audits