Driving 100% Loan Disbursement: Optimizing Processes with Seamless API Integration
Overview: The client is a leading financial services provider
specializing in catering to underserved markets.
With 1450+ Banking outlets, 880+ Network access
and 9.70+ Mn Happy customers, they offer a
comprehensive portfolio of financial products and
services designed to empower entrepreneurs and
agricultural communities. To maintain their vast
network, the client partnered with us to optimize
their loan processing operations.
Objective: Optimize loan disbursement with automation and API integration, driving operational efficiency and growth in tier 3
cities.
Business Challenges
As customer expectations evolve, the client identified the necessity to continually improve their service delivery for timely
responses, and consistent support. Their primary challenges were:
Fragmented Processes: No end-to-end API integration for streamlined operations
Limited Targeting: Inability to leverage a robust user database for personalized lending
The Solution
To streamline the loan disbursement process, we implemented end-to-end loan disbursement system using API-enabled
approach. This included Aadhaar verification, OTP authentication, and email verification, ensuring a seamless and secure
workflow. Additionally, aligning the Lead Management System (LMS) with Genesys via multiple APIs created a responsive
and cohesive operational framework that automated prequalified loan offers, improving communication efficiency. We
were focused on optimizing the current customer journey beyond their 25% target, while expanding operations in tier 3
cities by 75% and driving 20% overall growth.
Value Delivered
The implemented framework significantly enhanced our client’s loan disbursement volumes, doubling their operational
efficiency and validating the strategic approach to business growth. Optimized processes and resource allocation
empowered our client to scale operations and seamlessly meet their expansion goals.
100%
Increase in quarterly loan disbursement from 0.84mn USD to 1.67 mn USD.
20%
Growth in business expansion under the new loan scheme
API integration streamlined identity verification, OTP authentication, and communication