01 Case study · Fintech · Microfinance
A rural loan took 25 days. Now it takes four.
Aadhar India lends to village and small-town households. A loan took 10–25 days and five or six agent visits, with documents checked by hand and a manual credit-bureau check. We rebuilt the process around field agents: a loan now takes 3–4 days and two visits, and the monthly loan book grew from ₹20 lakh to ₹2–3 crore.
- Client
- Aadhar India
- Built
- Agent app, manager dashboard, automatic credit checks
- Engagement
- Full team, from ideation to launch to scaling
Shrink the loan
Apply what we did, one move at a time.
Each move takes out a visit, a wait or a guess. Press a move, or play all five, and watch the loan file reach the end sooner.
Five or six visits, documents checked by hand and a manual credit-bureau check.
Press a move, or play all five, to see what each one changed.
A task-based agent app
Every loan became a checklist of tasks on the agent’s phone.
Documents captured and checked in the app
Agents photograph documents in the app and each one is marked signed or pending on the spot.
Automatic credit checks
The credit-bureau check runs automatically as soon as the documents are in.
A live dashboard for managers
Managers see every loan across branches in real time and approve from the dashboard.
A data layer on every borrower
Repayment history builds up for each borrower.
The first and last figures come from the client case deck. The steps in between are illustrative: they show the order of change, not measured values for each move.
03 The moves
What we did, move by move.
- Move 1
A task-based agent app
What we saw Agents went back again and again for one missing paper.
What we did Every loan became a checklist of tasks on the agent’s phone.
The effect Nothing is left behind on the first visit.
- Move 2
Documents captured and checked in the app
What we saw Papers travelled to an office to be checked, then back.
What we did Agents photograph documents in the app and each one is marked signed or pending on the spot.
The effect Papers are checked where they are collected, not in an office.
- Move 3
Automatic credit checks
What we saw Credit scores were looked up by hand, one by one.
What we did The credit-bureau check runs automatically as soon as the documents are in.
The effect No one looks scores up by hand.
- Move 4
A live dashboard for managers
What we saw Approvals waited for paperwork to reach a manager.
What we did Managers see every loan across branches in real time and approve from the dashboard.
The effect Managers approve without waiting for paperwork to arrive.
- Move 5
A data layer on every borrower
What we saw There was no borrower history, so every decision was a guess.
What we did Repayment history builds up for each borrower.
The effect Risk shows early, and good borrowers can get repeat loans faster.
04 Results
What the moves added up to.
- 6×loan disbursement in year oneFrom moves 1, 2, 3, 4: A task-based agent app; Documents captured and checked in the app; Automatic credit checks; A live dashboard for managers
- −80%bad loansFrom move 5: A data layer on every borrower
- −70%operations costFrom moves 2, 3: Documents captured and checked in the app; Automatic credit checks
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