Full-Stack NBFC Tech Portfolio

📈

Real Business Impact

Measurable results this platform delivered for the NBFC — in numbers

Proven Results In Production

Business Grew 2.5× in 3 Months — With Half the Team & Half the Cost

After deploying this full-stack lending platform, the NBFC scaled from ₹6 Cr/month to ₹15 Cr/month disbursals in just 3 months — while simultaneously reducing the operations team size, cutting marketing spend, and lowering server costs. All driven by smarter automation, better customer journey, and tighter systems.

2.5×

Disbursal Growth
₹6 Cr → ₹15 Cr/month

▲ in 3 months

50%

Marketing Cost
Reduction

▼ same or better leads

⅓

Team Size Needed
to hit ₹15 Cr

▼ vs old team for ₹6 Cr

85%

Re-loan Customer
Increase

▲ repeat borrowers

50%

Server Cost
Reduction

▼ optimized codebase

🚀

2.5× Revenue Growth in 3 Months

Monthly disbursals scaled from ₹6 Cr to ₹15 Cr within 3 months of going live — not by adding more people or spending more on marketing, but by building a faster, automated lending system that processed more applications with fewer bottlenecks.

👥

1/3rd the Team, 2.5× the Output

The operations team that previously needed full headcount to disburse ₹6 Cr now achieves ₹15 Cr with just one-third of that team. Automation across lead allocation, KYC, credit decisions, and collection follow-ups eliminated repetitive manual work entirely.

💸

Marketing Cost Cut by 50%

UTM source tracking, lead quality filters, and smarter funnel visibility allowed the business to identify which channels actually convert — and cut spend on those that don't. Same or better loan volume at half the marketing cost.

🔁

Re-loan Customers Up by 85%

The re-loan journey was built to be frictionless and fully automated — existing customers can take a follow-on loan in minutes with no paperwork. Combined with automated WhatsApp nudges and a dedicated re-loan screen in the mobile app, repeat borrower numbers grew by 85%.

🤖

Fully Automated Eligibility Engine

The system automatically decides customer eligibility — no human needed in the loop. Logic checks CIBIL score, income, employment type, bank statement quality, and face-match score to instantly route customers to Approved, Rejected, Hold, or Not Eligible — without waiting for a credit officer.

🖥️

Server Costs Halved

Clean, optimized code architecture — efficient DB queries, smart caching, minimal redundant API calls, and lean background jobs — cut server infrastructure costs by 50% compared to the previous system, even as transaction volume more than doubled.

🤝

All Vendors Onboarded Solo

Every third-party vendor — DigiLocker, Digio, Digitap, Finbox, CIBIL, Equifax, DBS Bank, Easebuzz, WhatsApp API, Simple2Call, Firebase — was researched, negotiated, onboarded, and integrated by the same developer. No middleman, no agency, no delays.

🔒

Enterprise Security — Zero Incidents

IP whitelisting, OTP 2FA, JWT token auth, RBAC per module, and full audit logs ensure no unauthorized access, no data leaks, no compliance violations since go-live. The platform is built to be RBI-audit-ready from day one.

→

The Full Ecosystem at a Glance

Four separate codebases. One unified lending platform. Built solo.

🖥️

CRM

Internal operations platform
Sales, Credit, Disbursal, Collection teams
Full loan lifecycle management
Built in Laravel + MySQL

🌐

Customer Website

Self-service loan application portal
End-to-end onboarding flow
KYC, eSign, eNACH, Payment
Built in Laravel + Blade

⚙️

API Backend

Central REST API for all apps
OTP auth, JWT tokens
50+ endpoints covering every flow
Built in Laravel API

📱

Mobile App

Customer-facing Flutter app
Full loan onboarding on mobile
Push notifications, UPI QR
Built in Flutter / Dart

▶

See It in Action

Live demo walkthroughs of the customer web portal and mobile app

🌐 Web Portal Customer Loan Application Website

Complete walkthrough — OTP login → Employment → DigiLocker KYC → CIBIL → Finbox → eSign → eNACH → Payment → NOC

📱 Mobile App Flutter Loan App (Android & iOS)

Full mobile onboarding — DigiLocker webview, selfie face-match, eSign, eNACH, UPI QR repayment, push notifications

Loan Management CRM

Internal operations platform for NBFC staff — covers every stage of the loan lifecycle

🖥️

NBFC Loan Management CRM

A fully custom internal CRM that manages the end-to-end loan lifecycle — from lead entry to final collection and debt recovery. Used daily by Sales, Credit, Sanction, Disbursal, Collection, Support, and Management teams. Every module has role-based access, audit logs, and export capabilities.

Laravel (PHP) MySQL Blade AJAX Role-Based Access IP Whitelisting OTP Login

Complete Loan Journey

📥

Lead Entry

📋

KYC & Docs

📊

CIBIL / Equifax

⚖️

Credit Decision

✍️

E-Sign

🏦

Disbursal

💰

Collection

✅

Closed / NOC

🎯

Lead Management (15 Stages)

Fresh, Callback, Interested, Document Received, Incomplete Docs, Not Interested, No Answer, DNC, Duplicate, Blacklisted, Send Back, Rejected, Whatsapp
No Credit Card & Insufficient Banking buckets
CSV bulk upload for fresh leads
UTM source tracking per lead
Lead search, date filters, call history logs

🪪

KYC & Document Management

DigiLocker integration — Aadhaar/PAN fetch
Selfie with face-match verification
Email, PAN, official email verification
Finbox & Digitap bank statement fetch
Per-document verify/unverify toggle
eKYC mail trigger and status tracking

📊

Credit Underwriting

CIBIL (TransUnion) report generation
Equifax credit report generation
CRIF bureau check
Decision: Approved / Rejected / Hold / Not Required
Credit remark tracking
Direct e-sign initiation from credit module

✍️

E-Sign (Dual Provider)

Digitap e-sign — send, track, download PDF
Digio e-sign — webhook callback
Real-time status check
Signed agreement PDF download
Fallback between providers

🏦

Disbursal Module

Penny drop — live bank verification
DBS Bank IMPS — real-time transfer
ICICI Bank disbursal support
Dual-level approval + unlock workflow
Disbursal sheet, payout tracking
Rejected / Hold queues

💰

Collection Module (DPD Buckets)

DPD buckets: 0–7, 8–30, 31–60, 61–90, 90+ days
Part payment, settlement, payday payment
NOC & Settlement Letter generation
Auto lead-division across agents
Re-loan workflow for closed customers
Automated WhatsApp reminders

📈

Reports & MIS (12 Report Types)

Disbursed loans, monthly customers & leads
Annual disbursed & collection data
Collection agent & sanction agent performance
UTM funnel, e-sign status, re-loan report
Daily collection drilldown
NACH report auto-email via cron
Month-on-month comparison

🔐

Admin, Security & Automation

Role-based access control (RBAC) per module
IP whitelisting — office-only access
OTP-based two-factor login
Admin user-switch/impersonation
Login logs + customer edit audit logs
Cron: auto QR mail, SMS, PD allocation, NACH report
Simple2Call IVR + call popup integration

🗄️

Master Data & Customer Support

Consolidated master data — all loans
Debt recovery drilldown + export
Full portfolio export CSV/Excel
Ticket-based customer support system
Auto details module: HQ/MQ queues
Excel batch search for auto leads

Customer-Facing Loan Application Website

Self-service portal where borrowers complete their loan application end-to-end without human intervention

🌐

Borrower Self-Service Web Portal

A secure, step-by-step web application where loan applicants complete the entire onboarding journey — from filling personal details and completing KYC to uploading documents, signing the loan agreement digitally, and setting up eNACH for repayment. Built with session-based authentication and smart onboarding state management.

Laravel Blade Templates Session Auth Smart Onboarding Flow Webhook Callbacks

🚀

Loan Application Flow

Apply Loan dashboard as entry point
Employment & personal details form
Loan amount, purpose, salary mode selection
Smart onboarding state — resumes where left off
Under Approval & Not Eligible screens
Thanks page on completion

🪪

KYC & Verification

KYC page with DigiLocker webview redirect
Selfie upload with face-match API
CIBIL check triggered from portal
Finbox bank statement link (salary account)
Address form with state/city auto-fill
Reference contact submission

📄

Agreement & eNACH

KFS (Key Fact Statement) page before signing
Document upload — Aadhaar, PAN, salary slip
E-sign flow — trigger, status check, confirmation
Penny drop — live bank account verification
eNACH mandate setup for auto-repayment

💳

Payment & Re-loan

Payment page — UPI QR + payment gateway
Re-loan page for repeat borrowers
Settlement letter download
NOC download for closed loans
Loan history view
Customer support / care page

REST API Backend

Central API server powering the mobile app and web portal — 50+ endpoints with JWT auth

⚙️

Laravel REST API — Central Backend

A dedicated API layer built in Laravel that serves both the Flutter mobile app and the customer web portal. All third-party integrations (KYC, credit bureau, eSign, disbursal, payments) are routed through this single API. Secured with Laravel Sanctum JWT tokens, OTP-based authentication, and per-customer onboarding state management.

Laravel API JWT / Sanctum OTP Auth Webhook Handling FCM Push Notifications Easebuzz Payment Gateway

Endpoint	Method	Purpose
/send-otp, /verify-otp, /resend-otp	POST	OTP-based mobile login — entry point for all customers
/insert-customer	POST	Create new customer record after first login
/get-customer, /get-customer-flow	POST	Fetch customer data + determine current onboarding step
/lead-emplyment, /lead-address, /lead-reference	POST	Submit employment, address, and reference details
/digilocker/generate-digilocker_url	POST	Generate DigiLocker URL for biometric KYC via Aadhaar
/digilocker/callback	GET	Handle DigiLocker OAuth callback, save KYC data
/selfie-upload, /selfie-upload-face-match	POST	Upload selfie and run face-match against Aadhaar photo
/face-verify, /update/face-score	POST	Biometric face verify and update face score
/crif	POST	CRIF/CIBIL credit bureau check
/ccr-report/Equifaxccr	POST	Equifax CRR credit report
/finbox/session, /finbox/salary	POST	Finbox bank statement session + salary data fetch
/digitap/bank-data/generate-url, /retrievereport	POST	Digitap bank data URL generation and report retrieval
/upload/documents	POST	Upload KYC documents (Aadhaar, PAN, salary slip, etc.)
/get-kfs	POST	Fetch Key Fact Statement (KFS) for loan agreement
/save-account	POST	Save bank account details for disbursal
/penny-drop/initiate	POST	Penny drop — verify bank account is live before disbursal
/enach	POST	Trigger eNACH mandate setup for auto-repayment
/esignlink, /digio-generate-esign	POST	Generate e-sign link via Digitap or Digio
/digitap/generate-esign, /digitap/esign-status-update	POST	Digitap e-sign session + status update webhook
/generate-upi-qr	POST	Generate UPI QR code for loan repayment
/pg/initiate, /payment/callback	POST	Initiate payment gateway + handle payment callback
/easebuzz/create-payment-link, /callback	POST	Easebuzz payment link creation + webhook handling
/loan-details, /noc, /get-noc, /settlement-letter	POST	Loan repayment details, NOC, and settlement letter fetch
/initiate-reloan, /create-reloan	POST	Reloan initiation and creation for repeat customers
/save-fcm-token, /approve-loan/{customerId}	POST	Save FCM token for push notifications + loan approval alert
/chat/init, /chat/message, /chat/close	POST	In-app live chat — init session, send message, close ticket
/customer-grievance	POST	Customer grievance submission
/dbs/health, /dbs/test-imps	GET POST	DBS Bank health check and IMPS disbursal test

Flutter Mobile Application

Customer-facing Android/iOS app — full loan onboarding, repayment, and account management on mobile

📱

Loan App — Flutter (Android & iOS)

A full-featured Flutter mobile app that mirrors the web portal experience on mobile. Customers can apply for a loan, complete KYC via DigiLocker webview, upload documents, check CIBIL score, connect bank account, sign the loan agreement, make repayments via UPI QR or payment gateway, view loan history, download NOC, and chat with support — all from their phone.

Flutter Dart WebView Firebase FCM REST API Integration Onboarding State Machine

All App Screens

OTP Verification

Dashboard

Profile

Loan History

KYC Screen

DigiLocker WebView

Selfie Screen

Employment Form

CIBIL Screen

Finbox Screen

Finbox WebView

Address Screen

Reference Screen

Bank Screen

Penny Drop Screen

Document Upload

KFS Screen

eSign Screen

eSign WebView

eNACH Screen

eNACH WebView

Payment Screen

PG WebView

Re-loan Screen

Under Approval

Not Eligible

Thanks Screen

Support Screen

WebView Screen

📐

App Architecture

Smart onboarding service — determines next screen based on customer flow API
Navigation service — centralized routing
API service class — all HTTP calls in one place
Notification service — FCM push setup
Customer data model — typed API response

🔗

WebView Integrations

DigiLocker OAuth webview (Aadhaar KYC)
Finbox bank statement webview
eSign webview (Digitap / Digio)
eNACH mandate webview
Payment gateway webview

🔔

Features

OTP login with mobile number
FCM push notifications (loan approval alerts)
UPI QR code display for repayment
NOC & settlement letter download
In-app customer support chat
Re-loan for existing customers

Third-Party Integrations (11+)

Every major fintech API in the Indian NBFC stack — all integrated from scratch

🆔

DigiLocker

Govt. Aadhaar/PAN KYC via OAuth webview — biometric + OTP flow

✍️

Digio

Digital e-sign for loan agreements with webhook callbacks

✍️

Digitap

E-sign + bank statement extraction and analysis

🏦

Finbox

Bank statement analysis, salary assessment, session-based flow

📊

CIBIL / CRIF

TransUnion CIBIL credit score and full credit report

📊

Equifax

Equifax CRR alternate credit bureau report

⚡

DBS Bank IMPS

Real-time fund transfer to borrower account post-approval

🏛️

ICICI Bank

Alternate disbursal channel via ICICI APIs

💳

Easebuzz

Payment gateway — payment link creation + webhook callback

📲

WhatsApp API

Payment reminders, re-loan offers, QR code messages

🔔

Firebase FCM

Push notifications for loan approval and status updates

📞

Simple2Call IVR

Auto-dialer + incoming call popup on agent screen

★

Built Solo — What That Means

Every line of code, every integration, every deployment — done by one person

One Developer. Four Production Systems.

This entire lending ecosystem — the internal CRM for operations staff, the self-service web portal for borrowers, the central REST API backend, and the Flutter mobile app — was designed, built, integrated, and deployed by a single full-stack developer. No agency. No team. No shortcuts.

This means the developer understands every layer of the system: database schema, API design, third-party integration quirks, frontend UX flows, mobile app state management, webhook handling, cron automation, role-based security, and production deployment. They can take full technical ownership of your NBFC platform from day one.

Full Products Built

15+

CRM Modules

30+

App Screens (Flutter)

11+

APIs Integrated

50+

API Endpoints

100%

Solo Built

Ready-to-Use Resume Bullet Points

Delivered 2.5× business growth in 3 months — the NBFC scaled from ₹6 Cr to ₹15 Cr/month disbursals post-platform launch, with marketing cost reduced by 50%, operations team size reduced to one-third, and server infrastructure cost cut by 50% — all through automation and optimized code.
Designed and built a complete NBFC lending ecosystem solo — comprising an internal Loan Management CRM, a customer-facing web portal, a central REST API backend (50+ endpoints), and a Flutter mobile app (30+ screens) — covering the full loan lifecycle from lead entry to closure, without a single external developer or agency.
Built a fully automated credit eligibility engine — system auto-evaluates CIBIL score, income, employment type, bank statement quality, and face-match score to route customers to Approved, Rejected, Hold, or Not Eligible instantly, with zero human intervention required.
Grew re-loan customers by 85% through a frictionless automated re-loan journey on web and mobile — with WhatsApp nudges and smart state detection that allows repeat borrowers to apply for a follow-on loan in minutes with no repeated KYC.
Integrated 11+ production fintech APIs — all solo, no agency — DigiLocker (eKYC), Digio & Digitap (e-Sign), Finbox (bank statement), CIBIL, CRIF & Equifax (credit bureaus), DBS Bank IMPS (disbursal), Easebuzz (payments), Firebase FCM, WhatsApp API, Simple2Call (IVR) — every vendor researched, onboarded, and integrated end-to-end.
Engineered a DPD-based collection engine with bucket-wise tracking (0–7, 8–30, 31–60, 61–90, 90+ days), auto agent allocation, settlement/NOC letter generation, automated WhatsApp follow-ups, and 12 types of MIS reports — enabling the team to recover more with far fewer people.

One Line — Use This in Every NBFC Interview

"I built an entire NBFC lending tech stack solo — CRM, web portal, REST API, and Flutter app — that scaled a business from ₹6 Cr to ₹15 Cr/month in 3 months, with 1/3rd the team, half the marketing cost, 85% more re-loan customers, and half the server cost. I can own your full tech from day one."

Complete NBFC Lending PlatformBuilt From Scratch