# Digital loan management platform for an Indian NBFC

Paper applications, manual verification and disconnected systems made loan approvals slow and couldn't scale with the business. An end-to-end digital lending platform with eKYC, ML credit scoring, workflow approvals and UPI/IMPS disbursal, plus a field-agent app.

- **Sector**: Lending (NBFC)
- **Region**: India
- **Disciplines**: Mobile · Platform · Machine learning
- **Practices**: [Product engineering](https://www.winapps.co.in/services/product-engineering/), [AI & machine learning](https://www.winapps.co.in/services/ai-ml/), [Cloud & platform](https://www.winapps.co.in/services/cloud-platform/)
- **Client**: Under NDA. References available on a call.

## The challenge

A large non-banking financial company in India lends to SMEs and individuals in cities and rural areas. Its growth had outpaced its loan processing: paper applications, manual verification and disconnected systems made approvals slow, customers dropped off mid-application, and tighter regulation demanded stronger security and audit trails.

## Our approach

We built a cloud platform on AWS with Node.js microservices, PostgreSQL and MongoDB. Borrowers and field agents use a React Native app to apply, upload documents and track status. Automated eKYC and machine-learning credit scoring handle eligibility, a workflow engine routes approvals with e-signatures, and approved loans are paid out over UPI and IMPS.

Operations teams see portfolio performance and compliance reports on a dashboard. Biometric login, end-to-end encryption, role-based access and tamper-evident audit logs protect the data. The rollout started with personal loans and expanded to SME lending.

## Architecture

- **Apps**: Borrower app (React Native), Field-agent app, Operations dashboard
- **Onboarding**: Automated KYC / eKYC, Document capture
- **Lending services**: Node.js microservices, Workflow engine and e-signatures, Credit scoring and fraud models (TensorFlow)
- **Integrations**: Credit bureau, Payment gateway, UPI / IMPS disbursal
- **Cloud**: AWS, PostgreSQL, MongoDB, Audit logs

Illustrative architecture, simplified to protect client confidentiality.

## Results

Outcome details for this engagement are shared under NDA. We're happy to walk through results and put you in touch with a reference on a call.

## Stack

- React Native
- Node.js
- PostgreSQL
- MongoDB
- AWS
- TensorFlow
- Docker
- Jenkins

Next case study: [Authenticated sneaker and streetwear commerce app](https://www.winapps.co.in/work/sneaker-commerce-app/) ([Markdown](https://www.winapps.co.in/work/sneaker-commerce-app.md))

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