Skip to main content
Redian Software
Banking solution

Loan origination that doesn't lose customers in the funnel

Loan origination system covering digital application, credit bureau pulls, scorecards, underwriter workbench, e-sign and disbursement to your core. For banks, NBFCs, MFIs and digital lenders.

Book a demo See our work
CMMI Level 3 Appraised ISO Certified 200+ enterprises 5 regional hubs 9+ years of BFSI
Outcomes our customers see

The numbers we move.

Production benchmarks from real deployments — not vendor brochures.

  • <5 min

    Pre-approved to disbursal

    Customer with eligible bureau profile

  • 60–80%

    Funnel leak we eliminate

    vs paper-based or fragmented digital origination

  • 8+

    Credit bureau integrations

    Across India, Africa, UK and USA

  • Any core

    Integration capable

    Finacle, Flexcube, T24, custom — open APIs

What's in the platform

Capabilities, end to end.

A complete module list — designed to remove the gaps where vendor platforms typically leave you in spreadsheets.

  • 01

    Digital application

    Mobile-first, multi-step, save-and-resume application. Customer 360 lookup for pre-approved offers. Designed to minimise drop-off.

  • 02

    eKYC & document capture

    Aadhaar / national ID OCR, biometric verification, document upload with auto-classification. No re-upload friction.

  • 03

    Credit bureau integration

    CIBIL, Experian, Equifax, CRIF, TransUnion, Metropol, Creditinfo. Pre-licensed integrations across India, Africa, UK and USA.

  • 04

    Scorecards & decisioning

    Rules engine for hard cut-offs, ML scorecards for gradient. SHAP/LIME explainability for regulators.

  • 05

    Underwriter workbench

    Case management, queue assignment, override controls, full audit trail of every decision and override.

  • 06

    e-Sign & disbursement

    Aadhaar e-sign, regulator-compliant digital signature, straight-through disbursement to your core banking.

Who deploys this

Built for the operating environments we know best.

We've shipped this platform across the most common patterns — find the closest fit to your operating model.

  • Commercial banks

    Retail and SME lending operations needing to digitise origination beyond branch-walk-in.

  • NBFCs

    Consumer lending, vehicle finance, gold loans, SME finance — high-volume origination with diverse product workflows.

  • Microfinance institutions

    MFI origination with group-loan workflows, biometric customer verification and agent-network application capture.

  • Digital lenders

    App-based lenders needing instant origination with programmatic decisioning and millisecond bureau pulls.

  • Cross-border lenders

    Banking groups operating across 3+ countries with different regulator requirements and bureau ecosystems.

  • ML-first lenders

    Lenders building alternative-data scoring (telco, e-commerce, social) on top of traditional bureau pulls.

Implementation

How a rollout unfolds.

Phased, milestone-driven, with parallel-run safety nets where regulators require them.

  1. 01Weeks 1–2

    Scoping

    Product catalogue audit, bureau integration map, regulator scan, decisioning policy review.

  2. 02Weeks 3–8

    Configuration

    Application flows, document templates, scorecard configuration, bureau integration, underwriter rules.

  3. 03Weeks 6–10

    Core integration

    APIs to your core banking — disbursement, accounting, customer notification, channel sync.

  4. 04Weeks 11–12

    UAT & pilot

    Pilot with one branch or product line. Tune scorecards based on real applications. Refine workflows.

  5. 05Week 13

    Go-live

    Phased rollout by branch / region / product. Hypercare with daily incident standups for the first month.

  6. 06Ongoing

    Optimisation

    Quarterly scorecard reviews, A/B testing of application flows, bureau cost optimisation, regulator updates absorbed.

Solution overview

In depth — how this platform runs.

The long-form view of capability, architecture and deployment model.

From application to disbursal — without the drop-offs

Most lenders lose 60–80% of qualified applicants between application and disbursal. The leaks are everywhere: KYC document re-uploads, manual underwriter queues, paper sign-offs, disbursement delays. Our Loan Origination System (LOS) is built to eliminate every one of those leaks.

What the platform does

  • Digital application — mobile-first, multi-step, save-and-resume, customer 360 lookup.
  • eKYC & document capture — Aadhaar / national ID OCR, biometric verification, document upload with auto-classification.
  • Credit bureau pulls — CIBIL, Experian, CRIF (India); TransUnion, Metropol, CRB (Africa); regulator-licensed for each region.
  • Scorecards & decisioning — configurable rules engine, ML-based scoring (where regulator-allowed), explainable decisions for audit.
  • Underwriter workbench — case management, queue assignment, override controls, audit trail of every decision.
  • e-Sign & contract — Aadhaar e-sign, regulator-compliant digital signature, document vault.
  • Disbursement — straight-through to your core banking, accounting and customer-channel notification.

How it integrates

Our LOS is designed to plug into any core banking system — ours, Finacle, Flexcube, T24, or in-house cores. Open REST APIs at every stage; no vendor lock-in.

Why Redian

What makes this platform different.

Independent reasons clients pick us over incumbents and over generic global platforms.

  • Funnel-leak hunter

    Every screen designed to minimise drop-off. Mobile-first, save-and-resume, customer 360 lookup, document auto-classification.

  • Decisioning, not just workflow

    Rules + ML hybrid scoring with explainability. We've shipped scorecards under RBI and IRDAI scrutiny — not just demo models.

  • Bureau ecosystem covered

    Pre-licensed integrations with 8+ bureaus across India, Africa, UK and USA. No 6-week vendor procurement for the next region.

  • Audit-trail by default

    Every decision, override, scorecard parameter and document captured with timestamp and operator. Regulators read it, not us.

Tech & integrations

What the platform talks to.

Open APIs, standard integrations, configurable from day one.

  • Java
  • Spring Boot
  • PostgreSQL
  • MongoDB
  • Redis
  • Kafka
  • REST APIs
  • CIBIL
  • Experian
  • Equifax
  • CRIF
  • TransUnion
  • Metropol
  • Creditinfo
  • Aadhaar e-Sign
  • eIDAS
  • DocuSign
  • OCR (Tesseract, AWS Textract)
  • Python
  • scikit-learn
  • XGBoost
  • SHAP
  • LIME
  • Kubernetes
  • AWS
  • Azure
Proof from production

A deployment that mirrors your use-case.

Real customer · real numbers · real go-live. Most of our work is under NDA — this is one we can share publicly.

BankingAfrica

Core Banking + Digital Channels for a Cameroon-based Bank

Client · Confidential — Cameroon

  • 9 months

    Live in production

  • 250,000+

    Active customers

  • −60%

    Cost-to-serve

Full core banking modernisation plus mobile, internet and agency banking for a Cameroon-based bank — live in 9 months, now serving 250,000+ customers.

Tech stack

JavaSpring BootPostgreSQLKafkaReactKotlinSwiftAWS
Read the full case study All case studies
Frequently asked questions

Everything you wanted to ask before the demo.

Don't see your question? Ask us directly →

How does the LOS integrate with our existing core banking?

Through open REST APIs at every stage — KYC, decisioning, e-sign, disbursement. We've integrated with Finacle, Flexcube, T24, BankFusion, our own core banking platform and several in-house cores. Standard integration takes 4–6 weeks.

Which credit bureaus do you integrate with?

India: CIBIL, Experian, Equifax, CRIF Highmark. Africa: TransUnion, Metropol Corporation, Creditinfo, CRB. UK & USA: Experian, Equifax, TransUnion. Each region's regulator-licensed bureaus are pre-configured.

Can we use ML-based scoring or only rules?

Both — and most banks use a hybrid. Rules engine for hard cut-offs (regulator-mandated, fraud screens), ML scorecards for the gradient. Where regulators require explainability, we ship SHAP/LIME-based reason codes alongside every decision.

How fast can a loan be approved end-to-end?

For pre-approved customers with bureau-eligible profiles: under 5 minutes from application to disbursement. For new customers with manual underwriting required: typically 24–72 hours depending on document verification needs.

Do you support consumer, SME and vehicle loan origination?

Yes — consumer loans (personal, education, gold, two-wheeler), SME loans (working capital, term loans), vehicle finance, mortgage. Each product has its own workflow configuration and bureau pull logic.

What about regulator-compliant e-sign?

Aadhaar e-sign for India, NDPR-compliant e-sign for Nigeria, EU eIDAS for Europe, DocuSign / Adobe Sign integration for jurisdictions where digital signature equivalent suffices. We configure to your regulator's specific requirements.

Still figuring it out? Tell us your operating environment and we'll send a tailored architecture and pricing within one business day.

Book a demo
See it live

Ready for a tailored Loan Origination System walkthrough?

Tell us your regulator, your incumbent system and the outcome — we'll send a demo plan and pricing within one business day.

Book a demo All banking solutions