OfferMeLoan: Algorithmic Credit Decisioning
Fintech lending marketplace connecting retail borrowers, direct selling agents (DSAs), and banking institutions with automated eligibility matching.
OfferMeLoanScreens from the OfferMeLoan system
Real screens from the delivered system. Sensitive client data is masked.
OfferMeLoan is a digital fintech aggregator connecting retail and SME loan applicants with major commercial banks and NBFCs across India.
Manual lead collection, physical document scanning, and delayed credit bureau checks resulted in 40% applicant churn before loan sanctioning.
Involve Technologies developed an automated credit decisioning engine that checks CIBIL / Experian credit scores via API, calculates eligibility algorithms, and routes leads to matching bank APIs.
- Sub-second credit score retrieval via authorized credit bureau APIs
- Dynamic eligibility matching algorithm comparing 15+ lender underwriting rules
- Automated bank statement analysis and income verification module
- Real-time applicant progress updates and document upload links via WhatsApp
- Secure cryptographic data storage complying with RBI digital lending guidelines
- Bank partner portal with automated commission reconciliation
Accelerated loan pre-approval cycles by 3x, recovered 40% of drop-offs through WhatsApp follow-up automation, and connected applicants with 15+ bank partners.
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