Overview
A Pakistani microfinance NBFC with 14 branches and 100+ field officers was running its entire loan portfolio on paper forms, WhatsApp, and disconnected spreadsheets. KYC was inconsistent, EMI schedules were miscalculated, and SECP reporting was a quarterly scramble that took weeks.
Build a production-grade, multi-branch loan management platform covering every stage from borrower onboarding to regulatory reporting - mobile-optimized for field officers and examiner-ready for compliance teams.
We delivered a five-phase NestJS + Next.js 16 platform. Phase 1: branch, staff, and borrower management with KYC document upload and CNIC verification. Phase 2: loan product configuration, multi-level approval workflows, disbursement tracking, and automated EMI schedule generation (reducing-balance method). Phase 3: payment collection, PAR bucket tracking, and nightly overdue-detection cron jobs. Phase 4: dashboard KPIs, branch comparison, officer performance analytics, and SECP compliance reports with Excel/PDF exports. Phase 5: searchable audit trail with SMS notifications across all 14 branches.
Loan disbursement time for returning borrowers dropped from days to under 3 minutes. 100+ field agents onboarded across all 14 branches within two weeks of launch. EMI disputes dropped to near zero. SECP reporting moved from a weeks-long manual scramble to automated nightly pipelines - a one-click export on demand.
Deliverables
- Multi-branch borrower and KYC management
- Automated EMI schedule generation (reducing-balance)
- Multi-level loan approval workflows
- PAR bucket tracking and nightly overdue cron
- SECP compliance reports (Excel/PDF export)
- Branch and officer performance dashboards
- Searchable audit trail with SMS notifications
- Mobile-optimized UI for field agents
Start Your Project
Ready to build something similar? Tell us your goals and turn your idea into a scalable product.
Start Your Project →