Financial services businesses — NBFCs, lending platforms, payment facilitators, wealth managers — operate under compliance obligations that grow in complexity as transaction volume grows. Most scale their headcount to match the paperwork rather than automating the paperwork itself. Reconciliation is monthly and painful. Regulatory reporting is assembled from spreadsheets the night before it's due. Customer-facing processes — loan applications, KYC, repayment — still happen over email and WhatsApp. The business is technically sound. The operational infrastructure is a liability.
Structured digital intake for applications, document collection, credit checks, and approval workflows — replacing the email + WhatsApp chaos with a compliant, auditable process.
Automated payment tracking, due-date reminders, and collection queues. Reconciliation runs continuously — not at month-end.
Reports structured to RBI or relevant regulatory formats, generated automatically from live data — no more Saturday-night spreadsheet assembly.
Live view of AUM, delinquency by bucket, collection efficiency, and interest income — giving leadership the real-time picture that monthly reports can't provide.
Borrowers view their loan details, download statements, make payments, and raise queries — without calling your ops team.
Amit runs operations for an NBFC managing 340 active loan accounts across SME and personal lending. Every month-end, his team of three downloads bank statements, exports the borrower ledger, and manually reconciles 2,000+ transactions — EMIs, prepayments, part-payments, and bounces — against outstanding loan schedules. Vague payment descriptions ("NEFT TRANSFER 448") take hours to match. Collections follow-ups are done from a WhatsApp list. Regulatory reporting for quarterly DNBS returns is assembled by the CFO from spreadsheets the night before submission. In two recent RBI inspections, auditors flagged incomplete transaction trails for six accounts.
We built an integrated loan management and reconciliation system. Bank statements import automatically via API. A multi-strategy matching engine reconciles by amount, loan reference, customer mobile number, and fuzzy customer name — with confidence scoring. High-confidence matches auto-reconcile. Edge cases queue for one-click human approval. Collections are managed from a system-generated priority list: overdue by bucket, contact history, and promise-to-pay status. Regulatory reports pull from live data and format to RBI templates automatically. Every transaction, every state change, every customer communication is logged with timestamps — audit-ready at all times.