TECHSALODigital customer onboarding
Structured borrower profiles, applications, documents and verification stages.
- Customer & contact profiles
- Application information
- Document management
- Verification status
CASE STUDY / NBFC : 2022DIGITAL LENDING.
DIGITAL LENDING.
CONNECTED END TO END.
Building a unified lending, collections, accounting and analytics ecosystem for a growing NBFC.
- INDUSTRY
- NBFC / Financial Services
- ENGAGEMENT
- End-to-End Digital Lending Transformation
- CLIENT
- Confidential
THE MANDATE
ONE PLATFORM FOR THE OPERATIONAL AND FINANCIAL LIFE OF A LOAN.
A growing Non-Banking Financial Company needed to move beyond fragmented operations and connect onboarding, origination, disbursement, servicing, repayments, collections, accounting, reconciliation and management analytics.
TechSalo designed a scalable ecosystem joining these processes into one traceable operating model.
01Customer
02Onboarding
03Origination
04Approval
05Disbursement
06Loan management
07Repayment
08Collections
09Ledger & accounting
10Analytics
THE CHALLENGE
EVERY LOAN CREATES A CHAIN OF OPERATIONAL AND FINANCIAL EVENTS.
Disconnected applications and spreadsheets created slower processing, duplicate work, reconciliation challenges and limited portfolio visibility.
01Manual coordination
02Disconnected records
03Reconciliation exceptions
04Limited visibility
PLATFORM / OPERATIONSFROM BORROWER INTAKE
FROM BORROWER INTAKE
TO RECOVERY.
Loan origination system
A complete pre-disbursement journey from lead capture through approval.
- Information collection
- Eligibility processing
- Internal review
- Approval & disbursement
Loan management system
Continuous servicing from account creation and schedules through closure.
- Principal & interest
- EMIs & payments
- Charges & prepayments
- Outstanding & closure
Collections management
Repayment and overdue workflows connected to the wider lending ecosystem.
- Due instalments
- Follow-up activity
- Collection history
- Recovery status
05–07 / FINANCIAL CONTROLLENDING EVENT IN.
LENDING EVENT IN.
TRACEABLE JOURNAL OUT.
Accounting was designed as part of the platform. Each lending transaction generated a structured event mapped to debit and credit treatment, with references connecting the loan, payment, journal and general ledger.
LOAN EVENTEMI receivedPrincipal · Interest · Charges
ACCOUNTING EVENTAllocate paymentRules · References · Validation
DEBIT Bank / Collection A/CCREDIT Principal receivableCREDIT Interest income
GENERAL LEDGERPosted & traceableLoan ID → Journal ID
Loan transactionPayment / bankingAccounting entry
RECONCILIATION ENGINEMatched records / Exceptions
08–09 / DATA & ANALYTICSTURNING LENDING ACTIVITY
TURNING LENDING ACTIVITY
INTO MANAGEMENT INTELLIGENCE.
LOSLMSCollectionsLedger / AccountingPayments
CENTRAL ANALYTICAL PLATFORMProcessing · Quality · Unified models
10 / CLOUD & DEVOPSMODULAR BY DESIGN.
MODULAR BY DESIGN.
READY TO GROW.
Frontend applications, APIs, business services, data and analytics were separated into evolvable layers supported by CI/CD, monitoring, security, backup and observability.
01Customers / Operations
02Digital applications
03API layer
04LOS · LMS · Collections · Accounting
05Operational databases
06Data & analytics
07Dashboards & reporting
16 / DECISION SUPPORT SYSTEM
TURN AN OVERDUE PORTFOLIO INTO ACTIONABLE COLLECTION QUEUES.
Collection teams need more than a list of overdue accounts. TechSalo designed a decision-support layer to identify which cases need intervention, where field resources should go first and what action should happen next.
Loan, repayment, borrower-interaction and field-operation signals combine into transparent operational priorities.
LIVE INPUT SIGNALS11 CONNECTED
DPD46 daysHIGH
OUTSTANDING₹ 84,250HIGH
REPAYMENT2 missed EMIsRISK
FIELD VISITS1 unsuccessfulOPEN
PROMISE TO PAYBreachedHIGH
INTERACTIONSNo response · 8dRISK
RISK / PRIORITY RULES
DECISION SUPPORT ENGINE
87PRIORITY SCORE
HIGH INTERVENTION
Portfolio → Data → Rules → PriorityHIGH INTERVENTION
RECOMMENDED ACTIONCASE / 04192
HIGH-PRIORITY RECOVERY
NEXT BEST ACTIONField visit recommendedAssign within 4 hours
ASSIGNMENTNorth Zone · Team 04Agent capacity available
QUEUE UPDATED · SUPERVISOR NOTIFIED
High-priority recoveryField visit recommendedDigital follow-upSupervisor reviewPromise-to-pay follow-upEscalation requiredLow-risk monitoringReassignment suggested
17–18 / FIELD OPERATIONS INTELLIGENCEFROM FIELD EVIDENCE
FROM FIELD EVIDENCE
TO TIMELY INTERVENTION.
Link attendance to actual field activity.
Mobile check-ins, assigned visits, image evidence, timestamps, location context and recorded collection activity help identify valid attendance, exceptions and regularization candidates.
01Field evidence
02Regularization engine
03Valid / Review
Route the right event to the right team.
Configurable rules classify operational, financial, risk, collection, attendance and system events—then notify or escalate them according to severity and elapsed time.
INFOWARNINGHIGHCRITICAL
PAYMENT OVERDUEAGENT NOTIFICATIONSUPERVISOR ESCALATIONMANAGER ESCALATION
COMBINED INTELLIGENCE LAYERRAW EVENTS IN.
RAW EVENTS IN.
COORDINATED ACTION OUT.
The platform goes beyond conventional LOS and LMS functionality by connecting lending, field operations, accounting and analytics to an active operational intelligence layer.
LOSLMSCollectionsPaymentsAttendanceField evidenceLedgerReconciliation
Decision SupportAttendance RegularizationAlert Management
PrioritizeAssignRegularizeEscalateFollow upNotify
BUSINESS OUTCOMEA CONNECTED FOUNDATION
A CONNECTED FOUNDATION
FOR THE NEXT STAGE OF GROWTH.
Faster loan processing
Unified lending operations
Integrated financial records
Better reconciliation
Improved management visibility
Scalable technology foundation
CAPABILITIES DEMONSTRATED
Digital Lending · LOS · LMS · Collections · Double-Entry Ledger · Reconciliation · Data Engineering · Portfolio Analytics · React.js · Backend APIs · Cloud · CI/CD