Mumbai's fintech revolution is bringing credit to millions of Indians underserved by traditional banking. We help digital lenders build platforms that balance growth with risk management and compliance.
The Digital Lending Challenge
Digital lending must deliver instant decisions and disbursement while managing credit risk, preventing fraud, and meeting increasingly stringent regulatory requirements.
Our Digital Lending Solutions
Loan Origination
Fast, compliant applications:
- Mobile application: Seamless borrower journey
- KYC verification: Aadhaar, PAN, and video KYC
- Documentation: Digital document collection
- Consent: RBI-compliant consent management
Credit Decisioning
Smart underwriting:
- Bureau integration: CIBIL, Experian, CRIF
- Alternative data: Bank statements, device data
- Scoring models: ML-powered credit assessment
- Policy rules: Configurable credit policy
Disbursement
Instant fund transfer:
- UPI disbursement: Real-time to customer account
- Bank transfer: NEFT/IMPS alternatives
- Verification: Penny drop and account validation
- Confirmation: Disbursement notification
Collection
Effective recovery:
- Reminders: SMS, WhatsApp, push notifications
- Payment links: Easy repayment options
- UPI Autopay: Automated EMI collection
- Escalation: Agent assignment and tracking
Compliance and Analytics
RBI Compliance
- Digital lending guidelines
- Fair practice code
- Key fact statement
- Grievance redressal
Portfolio Analytics
- Disbursement trends
- Collection performance
- Delinquency monitoring
- Cohort analysis
Ready to build your lending platform? Contact ZIRA Software to discuss your digital lending needs.