We build lending platforms end-to-end — origination, underwriting, KYC/AML, decisioning engines, servicing, and collections. Retail unsecured, SME, mortgage, and embedded lending use cases.
A lending platform is the intersection of origination UX, credit decisioning, KYC/AML, regulatory operations, servicing for a multi-year asset, and collections when things go wrong. Each component is a system in its own right.
A modular platform where origination, underwriting, decisioning, servicing, and collections are independent services with well-defined contracts. Decision engine pluggable. Bureau integration as commodity. Regulator-defensible logging across the whole flow.
A platform that can take a loan from application to settled, service it for years, and handle the failure cases without the team improvising on every edge.
Application flows, document capture, KYC, employer verification, and bureau pulls — across web and mobile.
Decision engine — rules-based, scorecard, or ML — with full audit trail and regulator-defensible reasoning.
Identity verification, AML screening (Refinitiv, ComplyAdvantage), ongoing monitoring, and SAR workflows.
Repayment schedules, statements, payment processing, modifications, and customer service portal.
Early collections, recovery workflows, agent allocation, settlement offers, and regulatory compliance.
Portfolio reporting, regulatory reporting (HMDA, ECOA, equivalent in other jurisdictions), and audit support.