Building 240, Ground Floor, Shahpur Jat, New Delhi 110049
Service · Lending operations
Loan files processedunder your controls.
Back-office processing for banks and NBFCs on retail lending portfolios: document checks, data entry, verification support and portfolio reporting, run to the lender's own procedures.
Lenders can outsource operational work, but not their responsibility for it. Credit decisions, KYC compliance and customer outcomes stay with the lender under the Reserve Bank of India's outsourcing directions; the service provider works to the lender's policy and is audited against it.
We run lending operations as a controlled process: documented procedures, access granted by the lender, a second check on every file, and daily volumes and exceptions reported back.
Scope: preview, to be confirmed
At a glance
For
Banks and NBFCs with retail lending portfolios
Rhythm
Daily processing with daily and monthly reporting
Systems
The lender's loan origination and management systems
Lender keeps
Credit decisions, KYC ownership, customer contact
What's included
Six parts, one accountable desk.
01
Document checks
Loan application files checked for completeness against the lender's checklist, with gaps returned the same day.
02
Data entry
Application and loan data entered into the lender's systems, with a second-person check on key fields.
03
Verification support
Supporting the lender's verification steps, under the lender's procedure and with its sign-off.
04
Disbursement support
Preparing disbursement documents and checklists for the lender's approval.
05
Portfolio reporting
Daily volumes, turnaround and exception reports, and monthly portfolio MIS in the lender's format.
06
Record keeping
Files indexed and stored as the lender's retention policy requires.
How it runs month to month
A day and a month in lending operations.
YouOur calendarStatutory date
MorningFiles receivedNew applications and documents from the lender's channelsYou
Same dayChecks and entryCompleteness check, data entry, second-person verificationOur calendar
Same dayExceptions backIncomplete files returned to the lender with reasonsOur calendar
End of dayDaily reportVolumes, turnaround and pending itemsOur calendar
Month endPortfolio MISMonthly reporting pack in the lender's formatOur calendar
PeriodicLender's reviewThe lender audits the process against its outsourcing policyYou
A day and a month in lending operations. Volumes, turnaround times and cut-offs are set by the lender in the service agreement. Working calendar: to be confirmed per client
What we need from you
Six things that keep the calendar moving.
Most delays in outsourced work start with an unclear hand-off. These are agreed in writing before the first month.
Your procedures
Process notes and checklists for each product, approved by the lender.
System access
Role-based access to your systems, granted and revoked by you.
Outsourcing agreement
A service agreement under your outsourcing policy, with audit rights.
Volume forecasts
Expected daily and monthly volumes so the team is sized correctly.
An escalation contact
A named person for exceptions and process questions.
Data-security terms
Your information-security requirements, which we work to.
Deliverables
What lands on your desk.
Deliverable
When
Format
Processed files
Daily
In your systems
Exceptions list
Daily
Shared sheet or your system
Daily production report
Daily
Email or your MIS
Monthly portfolio MIS
Monthly
Your template
Process review notes
Quarterly
PDF
Controls and data security
Checked twice. Owned by you.
The same principles run through every desk. How they apply to your systems is written into the scope. How we handle data
Control statements: to be confirmed
01
Lender decides
We never approve, reject or price a loan; decisions stay with the lender.
02
Role-based access
Access to your systems is granted, logged and revoked by you.
03
Four-eyes on key fields
Amounts, account numbers and identity data are checked by a second person.
04
Clean-desk working
No customer documents leave the controlled environment; no personal devices on the floor.
05
Audit rights
Your internal auditors, and the regulator, can review the process.
The four codes have been in force since 21 November 2025 and the Central Rules since May 2026. What to check in your wage structure, pay dates, registers and exits.
Questions
Asked before we start.
Anything else? The assistant answers from this website, or send the question with the form below.
Do you make credit decisions?
No. Credit decisions, KYC compliance and customer outcomes stay with the lender, as the RBI's outsourcing directions require.
Do you contact borrowers?
Only if the lender's procedure and agreement say so, and in the lender's name. Most of this work is back-office only.
Can you work inside our systems?
Yes. That is the usual model. Access is role-based and controlled by you.
How is the work audited?
Under your outsourcing policy: your internal audit can review the process, the access logs and the files at any time.
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