We made a visible and
measurable impact to our
client's business
growth in portfolio acquisition.
About the Client
The client is a registered Non-Banking Financial Company (NBFC) in India, offering wholesale and retail funding solutions across multiple industries. To expand its market presence, the client aimed to acquire ₹1000 Cr worth of debt portfolios and strengthen its position in the securitization market.
The Problem
Despite ambitious acquisition goals, the client’s existing manual and semi-digital processes were slowing down growth. Key challenges included:
- Inefficient Systems: Portfolio acquisition relied on emails and Excel sheets, leading to delays.
- Slow Stakeholder Communication: Coordination with external parties was time-consuming.
- Limited Scalability: The existing process was not agile or robust enough to handle larger volumes.
Our Approach
Lauren developed a cloud-native One-Stop Platform to streamline the entire securitization process, from loan portfolio requests to processing and accounting.
Our Development Process
1. Digitization of the Securitization Process
- Standardized acquisition of Retail Loan portfolios (vehicle loans, mortgage products, MFI loans).
- Seamless integration with external stakeholders for faster communication and processing.
2. Real-Time Data & Market Insights
- The platform provided instant access to retail loan portfolios via the Direct Assignment route.
- Enabled deeper insights into market trends, geography, and customer behavior for informed decision-making.
3. Enhanced Risk Management & Scalability
- Helped the client optimize portfolio growth with data-driven strategies.
- Improved risk management practices for better loan structuring and servicing.
Tech Stacks Used
React
Spring Boot
Amazon ECS
Amazon S3
Amazon SES
Amazon SNS
Lambda
Docker
MongoDB
Figma
The Result
- 1.5x increase in portfolio acquisition, enabling faster market penetration.
- Higher efficiency with faster processing, fewer errors, and intuitive reporting.
- Improved user, partner, and customer satisfaction through seamless digital workflows.