Launch and run every credit product on one platform
Lending teams move faster when origination, credit processing and servicing share one foundation.
One platform, many credit products
Originate and manage installment loans, pay later, credit lines and cards on one stack.
Pre-built credit workflows
Ready workflows for loans, credit cards and revolving credit, set to your policies.
Pre-integrated ecosystem
KYC and identity providers, credit bureaus, Account Aggregators and alternative data providers.
Built for transaction scale
Architected for high-volume, real-time models such as credit line on UPI.
Launch by configuration
New products and variants through pricing, rules and journeys, not new code.
Compliance built in
Bureau and regulatory reporting, with audit trails across every decision.
One stack
One stack for every digital credit journey
Origination, loan processing, accounts, servicing and collections on one foundation, so a new credit product is configuration, not another integration program.
What one stack changes
•One record, application to closure
Details captured at onboarding carry through to servicing and collections, with no re-keying or batch transfers.
•Decisions that see the whole relationship
Limit changes, offers and collection strategies draw on the same account and repayment history.
•The same numbers for everyone
Schedules, billing and balances live in one place, so operations, finance and customers never reconcile two versions.
•Change once, apply everywhere
Update a pricing rule or credit policy once and it takes effect from origination through collections.
Loan origination & Distribution
Originate credit faster, from application to activation
Acquisition, onboarding, KYC, assessment, decisioning and provisioning in one configurable workflow, with no handoffs between systems.
Account creation
Create and activate loan and credit accounts with configurable product parameters.
Disbursement & Utilization
Process drawdowns and utilization across different credit models.
Repayment schedules
Support bullet and installment repayment structures with customer-specific billing
dates.
Pricing & Billing
Configure interest, processing fees, late payment charges and other pricing
parameters.
Servicing
Support repayments, prepayments, refunds, foreclosures, cancellations and schedule
changes.
Delinquency management
Track delinquency aging, apply penalties and manage NPA and write-off processes.
Loan management system
Manage every loan through its lifecycle
Loan processing runs alongside real-time transactions and accounts, so conventional lending and transaction-linked credit share one system.
Account creation
Loan and credit accounts with configurable parameters.
Disbursement
Drawdowns and utilization across credit models.
Repayment schedules
Bullet and installment plans, customer-chosen billing dates.
Pricing & Billing
Interest, processing fees and late charges.
Servicing
Prepayments, foreclosures, refunds and schedule changes.
Delinquency
Aging, penalties, NPA and write-off processes.
Restructuring
Restructuring and hardship scenarios.
Bureau reporting
Credit bureau and regulatory reporting.
Installment loans
Launch digital installment lending without rebuilding the stack
Configure
Configure eligibility, pricing, tenure and repayment rules for each installment product, and service every loan from disbursement to closure on one stack.
•Loan amount and tenure
•Interest and fee structures
•Prepayment and foreclosure rules
•Eligibility and underwriting rules
•Repayment frequency and billing dates
•Delinquency and restructuring treatment
Borrower journeys from discovery and application to decision, disbursement, repayment and closure are configured on the platform, not built separately for each product.
Pay later
Turn everyday purchases into flexible credit
Configure
Eligibility, credit creation, repayment and servicing inside the purchase journey.
•Eligibility criteria
•Credit amount and tenure
•Interest, processing and late fees
•Transaction and merchant-category rules
•EMI and pay-in-installment options
•Refund and cancellation treatment
Pay later plans share the servicing and collections used by every other credit product on the stack.
Credit line on UPI
Bring credit into UPI payments
One platform for transaction and credit
Issue, authorize and bill credit lines on UPI from one stack, with limits, transactions and repayments processed in real time.
•UPI transaction processing
•Per-transaction loans and EMI conversion
•Real-time risk and fraud controls
•Credit limits, holds and utilization
•Pricing and unified billing
•Repayment and limit restoration
One engine for transactions and loans, so there is no reconciliation between separate systems.
Digital collections
Make repayment digital, timely and easier to manage
Built for digital-first collections
Engage customers before, on and after the due date, through channels they already use.
•Automated repayment reminders
•Multi-channel, multilingual nudges
•Integration with collection systems
•UPI mandates and AutoPay
•Escalation by delinquency stage
•Collection reporting and monitoring
Collection workflows cover every stage of repayment: before the due date, on the due date, after a missed payment and through delinquency.
