Fintech startups are redefining the credit ecosystem—disbursing thousands of loans daily across various borrower segments. However, as volumes surge, traditional processes, reliance on spreadsheets, and disconnected systems begin to show their limitations. Start-ups that scale rapidly without a resilient technology foundation consistently face delayed disbursals, compliance loopholes, and restricted portfolio visibility. To sustain India’s forecasted […]
Foreign Exchange Risk Management in Study Abroad Loan Portfolios
With over 1.33 million Indian students studying abroad, education loans have become vital. According to an Economic Times report, 33% of these students depend on such loans to pursue quality education overseas. Non-banking financial companies (NBFCs) have seen significant growth in education loan assets, rising over 80% in fiscal year 2023 and 70% in fiscal […]
Are You Reading Credit Bureau Reports Wrong? 5 Critical Data Points Lenders Miss
You approved a borrower with a 750 credit score, perfect payment history, and 35% utilisation. Three months later, they defaulted. If your lending institution is facing similar incidents more often, you are probably missing evaluating the critical data points in credit bureau reports. According to RIS (Research and Information System for Developing Countries), unsecured loans […]
Complete Guide to Building a Digital-First Loan Collection Strategy
Digital banking has transformed borrower expectations. Lenders must now build loan collection strategies that leverage technology, data, and customer-centric communication to maximise recovery while maintaining positive relationships. The emphasis should be on implementing a data-driven and customer-focused approach that prioritises outcomes and leverages digital platforms. Developing a digital-first loan collection strategy is vital for maximising […]
How RBI’s New Loan Rate Rules Transform Your Lending Operations
The Reserve Bank of India (RBI) announced regulatory amendments to the structure governing loan rate rules, lending against gold/silver collateral, and Perpetual Debt Instrument (PDI). Three significant regulatory changes took effect on October 1, 2025; four remain open for consultation until October 20, 2025. The proposed reform aims to modernise the lending framework by easing […]
How to Integrate Customer Data Across Platforms for a 360° Lending View
Picture this: Most banks run 10-15 separate core systems, like loans, credit cards, and CRM, that do not communicate easily with each other. The result is fragmented data, duplicate customer profiles and siloed records. These issues obscure a borrower’s full financial picture. This silo problem is widespread. A 2024 survey found 57% of banking executives […]