Light up your digital blue oceans
We co-create the world's most composable population scale digital spines for your business
Powering Avanti - fastest growing MFI on the planet
Founded by India's greatest scale thinkers Mr. Ratan Tata, Mr. Nandan Nilekani & Dr. Vijay L. Kelkar
2x
47%
Borrowers new to credit or high risk
300+
7x
Faster feature evolution
4x
Faster integrations
Lending Stack in Cloud
Highly flexible, e2e digital spine with best of breed modules spanning every lending function
Crowdsourcing DNA
Allows multiple collaborators with atomic traceability and validation engine, ensuring quality, compliance
Layered AI
Realtime collections AI that learns a per user model; AI Task bots to automate onboarding verifications
High Adaptability
50+ Multi-layered Configurations, Loan Product Maker, Configurable realtime Underwriting and Collection engines
End-to-End, fresh business visibility
On-boarding, origination, underwriting, collections; all operations; Unified warehouse refreshed several times a day
Security, Privacy, Compliance by design
Multi level encryption, 4 level privacy ACLs, Atomic traceability & transparency
Digital, Paperless Origination
Low operational costs with quick, seamless & pure digital onboarding & origination with intelligent automations
OCR based autofill
Bureau Check
ID verification
Pre-application risk tagging
Aadhaar eSign with 4 authentication modes
AI powered key data checks
Tiered approvals
Vernacular loan documents in 11 languages
Automated repeat loans
Configurable Underwriting Engine
Best in class underwriting with configurable risk rule system
25+ risk parameters
In-filed decisioning
Straight through processing
Create, test & launch risk policies in real time
Hyperflexible LMS
Gold standard realtime LMS to support any product
Flexibility in Daily & Monthly compounding
Variable moratorium, repayment intervals & tranches
Automated disbursal channel selection
Multi bank, multi-channel disbursal
Bulk restructuring capabilities
Digital, Realtime Repayments
Multi-modal payments interface backed by a per loan account
State of the art cash, UPI, eNach, eCollect
Multi-channel payment reminders
Cash management
Instant digital receipts & account statements sharing
Realtime reconciliation
Proprietary AI Collections Funnel and Service
Improves collections efficiency significantly while treating borrowers with respect
Configurable, custom designed, collection campaigns
AI driven insights for maximum recovery
Borrower friendly payments options
Learns user intent, adapts repayment funnel to each user
Composable API factory
Plug & Play, No code API integrations
20+ out of box APIs
4x faster to integrate any new API
Every interface exposed as an API
No code integration
Variants creation in a day
Instant Loan product maker
At the edge, curated loan product maker that enables loan repayment profile to match borrower's livelihood cash flow
Churn out hyper customised loan products in minutes
Wide range of loan products
40+ configurable parameters
Multi-channel support
Direct Co-Lending Pipeline
Expand credit pool with automated co-lending flows
Integrates directly with Banks & NBFCs
Ability to add new co-lenders in weeks
Adaptive to each co-lender's LMS and data needs
Preference order settings
Loan product level co-lender configuration
Customisable data console
Custom dashboards and reports for all teams at all levels
Custom reports & filters on real time data
Pre-generated report templates
Organisational role based dashboards
Metrics tracking
Mission driven team with unparalleled experience in building population scale systems
Meghana Reddy
Business Head
Co-founder, Account Aggregator
Chief Of Staff, Flipkart Co-Founder & Group CEO
Senior Consultant, PRTM, PwC
Systems Engineer, TCS, Oracle
BE, CS, Pune University; MBA, INSEAD, FranceB-Tech CS, IIT-B, Phd
Anand Srinivasan
Engineering Head
8 years at Google, Architect, Google Mapmaker team
Researcher at Microsoft Research and Bell Labs
Author, 3 books, 18 Publications; Reviewer, 3 IEEE Journals (Transactions Computers, Networking & SIGMOD); has 5 Patents
B.Tech, CS, IIT-Bombay; PhD, CS, University of North Carolina
M T Raghunath
Engineering Lead
Founded Emerging Markets Eng, Google
Chief Architect, InMobi
Architect, IBM TJ Watson Parallel Supercomputing
40+ Patents, 20 publications
B.Tech, CS, IIT-Madras; MS & PhD, CS, BerkeleyB-Tech
Rachna Agarwal
Engineering Lead
Joined Indihood at inception
TL Map Maker. Sole owner - 400 Tech Ops toolchain. Speaker, Grace Hopper Conference B-Tech CS, IIT-K
Tech Lead, Google Emerging Markets
Accorded Grace Hopper honor for women engineers
B.Tech, CS, IIT-KanpurS, IIT-B, MS Phd CS, UNC B-Tech CS, IIT-B, MS Phd CS, UNC B-Tech CS, sdfsdf.
Zareer K’Maneck
App Dev Head
Founding member for Apple Geo Maps Ops in Hyderabad India
Cofounder, Google Maps Ops
BA Economics, Mumbai University B-Tech CS, IIT-B, MS Phd CS, UNC Chapel HillB-Tech CS, IIT-B, MS B-Tech CS, IIT-B,
Arindam Choudhury
AI/ML Head
AVP, Genpact
Co-Founder, CanPe
Chief Analytics Officer, Cerrid Solutions
B.Tech., IIT-Kanpur, PhD, AI/ML, University Of Southampton. Post doc, CSc& ML, ETH, Zurich B-Tech CS, IIT-B,
Leya
App Dev Lead
Lead, QA, Google Map Maker
Anchored various emerging markets initiatives, impacting 5M users
MTech, JNTU, Hyderabad B-Tech CS, IIT-B, MS Phd CS, UNC dsfdfdfdfdfdf dfdfd dfdf skjhk ljkldf
Amal Tiwari
UX & Research Head
UX Lead, Amazon India, Everyday Payments
UX, Google emerging markets
Design Lead, InMobi and Microsoft
M.Des NID, Bangalore; MS, CS, University of Illinois, ChicagoB-Tech CS, IIT-B, MS Phd CS, UNC B-Tech df dfdf
Menaka
Product Lead
Director Tech, Open Data Platform, Akshara
Sr Manager, Target
PgM, Geo Factory, Google
Major, Army, Military Intelligence
Business Management Pgm, IIM, Indore B-Tech CS, IIT-B, MS Phd CS, UNC wkdlfklemfln jkfkld jfklml
Ishita
Legal Head
VP, Corporate Legal Head, Religare Enterprises
Experienced in Tier 1 Law firms in U.A.E., US and India.
Emerging technologies specialist
LLM, Columbia Law School, NY; Bar licensed, India and NYC
Manvi Bansal
Product Manager
6+ years of experience across product development, entrepreneurship, supply chain & project management.
Co-founder, Habeato
Future Leaders Program, GSK
B.Tech., IIT Delhi
4th Floor, 331, 5B Rd, EPIP Zone, Whitefield, Bengaluru, Karnataka 560066
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