FinTech · Lending
Loan Origination System (Micro-finance + BNPL)
Product Manager · Presales Lead · 9 months (partially live) · Apon + two MFI partners
4 min
Median time-to-decision
82%
Auto-decisioned
11
Repayment channels
Challenge
The MFI partners were running spreadsheets and a 2014-era core. BNPL merchants needed a real-time decisioning API. Both needed to share a single ledger.
Solution
Single Fineract instance, two product configurations, one decisioning engine with rules in JSON so the credit team could edit cutoffs without a release.
Outcome
Median time-to-decision dropped from 2 days to 4 minutes. 82% of applications now auto-decision without analyst review.