7 Core
Core platform features from KYC automation to AI powered credit risk assessment
Personal Loan Platform
Executive Overview
A comprehensive Loan Management Solution supports the full lending lifecycle, from customer onboarding and identity verification to underwriting, disbursement, repayment tracking, fraud detection, and collections management.
6 Capabilities
Lending capabilities covering fraud detection, verification, underwriting, and loan management
- Location
- United States
- Duration
- 3+ years
- Deployment
- US-based lenders and borrowers
- Engagement Model
- Offshore Development Center
Business Needs
- Automate and manage the complete loan lifecycle to improve speed, accuracy, and user experience
- Implement real-time fraud detection mechanisms to reduce financial risk
- Verify identities, employment, income, and bank accounts
- Align processes with industry-standard security protocols
- Use AI and machine learning to support underwriting and credit risk assessment
Core Feature
- Know Your Customer (KYC) to automate document recognition
- Identity Verification to trusted data verification
- Employment and Income Verification integrated with Plaid, GIACT, and TALX
- Real-time Fraud Detection using Oscilar, Equifax
- Bank Account Verification linking with Plaid and GIACT validation
- Loan Management System with full lifecycle support using LoanPro
- AI-powered credit risk assessment using Oscilar for business rule customization
Challenges with Solutions
| FEATURE | CHALLENGES | SOLUTIONS |
|---|---|---|
| Fraud Detection |
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| Information Verification |
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| Employment and Income Verification |
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| Underwriting & Decision Making |
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| Bank Account Linking and Verification |
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| Loan Management |
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Digital Experience Platforms
- Frontend: Next JS, Styled-component, ReactJS
- Backend: Java, Spring Boot
- Cloud: AWS
Data & Storage
- Databases: AWS DynamoDB, Redis
- File & Report Storage: AWS S3 (PDF, XML, Image)
- Data Pipelines & Analytics: Apache Kafka, integration with Oscilar, GIACT, LoanPro
Core Backend Technologies
- Languages & Frameworks: Java Core 18, React JS, Next JS, Java Spring Framework (Spring Boot, Security, JPA), Python (Airflow), AWS
- API Architecture: RESTful APIs, GraphQL, gRPC, Message Broker via Kafka, Swagger/Postman documentation
- Authentication & Access Control: JWT-based cookie, OAuth 2.1 (OpenID Connect), Custom claims
Cloud-Native Infrastructure
- Cloud Providers (U.S.): AWS Cloud
- Serverless & CI/CD: AWS Code Build, AWS Code Pipeline, AWS ECS, AWS ECR, AWS Parameter Store, GitHub Actions
- Infra as Code: Terraform
- Authentication and Authorization: AWS Cognito
- AI & Making Decision: Oscilar analyses applicant's information and result of verification for making decision
- Notifications: AWS SNS, Sendgrid
Compliance & Security
- Adhered to GDPR guidelines and industry best practices for personal data protection
- OAuth 2.1, token-based authentication, secure secrets management via AWS Parameter Store
- Maintained full audit trails for verification, underwriting, and loan servicing processes
See What We'd Build for You
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