01High drop-off at apply
Onboarding across four portals
KYC here, bank statements there, e-sign somewhere else, and a customer who gives up midway.
Industry · Finance & NBFC
Lending systems that pass the audit on the first attempt
Digital onboarding with KYC and e-sign, rule-based underwriting, collections automation and an immutable trail on every decision the system makes.
- 3 days → 22 min
- onboarding time
- 100%
- decisions audit-trailed
- 4
- lenders live
Built for CTO · Credit Head · Collections Head · Compliance Officer
Where it breaks today
The four problems every finance & nbfc leader describes to us
Before we propose anything, we check which of these are actually costing you money. Usually it is two of the four — and they are not the ones you expect.
02Inconsistent risk
Underwriting rules live in a person
Policy changes are communicated verbally and applied inconsistently across branches.
03Higher bucket slippage
Collections is a call list
Follow-ups are untargeted, untimed and unrecorded, and the tone is whatever the agent feels.
04Regulatory exposure
Audit means a month of exports
Evidence is reconstructed manually because the systems never recorded why a decision was made.
What we build for Finance & NBFC
Four systems, delivered in the order that pays you back fastest
Digital onboarding & KYC
One journey with document capture, bureau pull, bank analysis and e-sign completed in minutes.
- Aadhaar / PAN / CKYC
- Bank statement analysis
- Aadhaar e-sign and e-NACH
Loan origination & LMS
Configurable policy rules, scorecards, deviation workflows and disbursal in one system.
- Rule-based underwriting
- Deviation and approval matrix
- Disbursal and repayment schedules
Collections automation
Bucket-aware, tone-aware reminders across WhatsApp, voice and SMS with full recording.
- Segmented reminder journeys
- AI voice follow-ups
- Promise-to-pay tracking
Audit & compliance layer
Immutable logs of every rule, override and approval, exportable in one click.
- Decision trail per case
- Maker-checker controls
- Regulator-ready exports
Measured outcomes
Numbers from live finance & nbfc deployments
22 min
median onboarding
Down from three days
+18%
collection efficiency
Segmented follow-up journeys
1 click
audit export
Full decision trail per case
Systems we integrate with
KarzaPerfiosNSDLPostgresAWSDigio e-Sign
Compliance & controls
RBI-aligned audit trailData localisationMaker-checkerEncryption at rest & transit
Your first 90 days
A sequence you can take to your board
- Week 1–2
1. Policy capture
We write your credit policy down as rules and test it against historic cases.
- Week 3–7
2. Onboarding journey
KYC, bureau, bank analysis and e-sign live for one product.
- Week 8–14
3. Origination & LMS
Underwriting, deviations, disbursal and repayment operations.
- Ongoing
4. Collections & audit
Automation across buckets and a regulator-ready evidence layer.
Case study
Halcyon Finance · NBFC, secured & unsecured lending
Challenge — Onboarding took three days across four portals, credit policy was applied inconsistently, and every audit meant a month of manual evidence gathering.
What we built — A single digital onboarding journey with KYC and e-sign, rule-based underwriting with deviation workflows, and an immutable decision trail.
3 days → 22 min
onboarding time
+18%
collection efficiency
100%
decisions audit-trailed
“Compliance asked for the trail. We exported it in a click. That never used to happen.”
“Our credit policy is finally the same in Nagpur and Kochi.”
“The security review passed on the first pass.”
Buyer questions
What finance & nbfc teams ask before signing
Get a finance & nbfc roadmap with costs, sequence and payback
No slide deck sales pitch. A senior consultant, your process, and a written plan within three working days.