Digital Lending & Loan Management Platform for NBFC
A fully digital end-to-end loan origination and management platform built for QuickCredit Finance, an RBI-registered NBFC. The platform handles online loan applications, automated credit scoring using bureau data, digital KYC, eNACH mandate setup, EMI scheduling, and collections management.
The Challenge
QuickCredit Finance was processing personal and MSME loans through a largely paper-based workflow that took 7-10 days from application to disbursal. Credit assessment relied on manual bureau report analysis, making it slow and prone to human error. The collections team had no centralized tool for tracking EMI dues or sending automated reminders.
The NBFC also needed to ensure strict RBI compliance in all digital processes, including fair practices in lending, FLDG disclosures, and audit trail maintenance.
Our Solution
We built a comprehensive digital lending platform with a React Native borrower app and a web-based operations dashboard. The loan origination module integrates with CIBIL, Experian, and CRIF bureaus for automated credit scoring. Digital KYC uses Aadhaar eKYC and video-based verification to comply with RBI guidelines.
The loan management engine handles EMI schedules, prepayment calculations, and penal interest computation automatically. eNACH integration with Razorpay automates EMI collections. An audit log module records every system action with timestamps and user IDs for regulatory compliance.
System Preview
Explore the key screens and dashboards we designed and developed.
Weekly Activity
Monthly Growth
Recent Activity Log
System Configuration
Measurable Outcomes
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