National Housing Finance Corporation
Automated loan decisioning platform processing 5,000 applications per month.
All case studiesA national housing finance corporation processing over 500,000 home loan applications annually across 200 branches engaged Cydez Technologies to build an automated loan decisioning platform. The existing process was entirely manual — credit assessments, income verification, property valuations, and compliance checks were handled by underwriting teams working in spreadsheets and email. Average time from application to sanction was 12 days, causing significant applicant drop-off and competitive disadvantage in a market where fintech lenders were offering 48-hour approvals.
The platform needed to integrate with CIBIL and Experian credit bureaus for real-time credit scoring, automated property valuation models using geo-tagged pricing data, a rule-based underwriting engine with 200+ configurable business rules, and digital agreement generation with e-signing. The system also needed to connect with Oracle ERP Cloud via MuleSoft for disbursement processing, financial accounting, and regulatory reporting.
Cydez built the platform with an ML-powered default prediction model trained on 8 years of historical loan performance data, enabling risk-based pricing and automated approval for low-risk applications. The borrower mobile app provided real-time application tracking, document upload, and communication with the assigned loan officer. Within 6 months of deployment, average sanction time dropped from 12 days to 36 hours, and applicant conversion improved by 30%.
- End-to-end digital loan origination platform
- ML-powered default prediction and risk pricing
- CIBIL and Experian bureau integration
- Automated property valuation engine
- Oracle ERP Cloud integration via MuleSoft
- Borrower mobile app with real-time tracking
A national housing finance company processed home loan applications manually — credit assessments, property valuations, and compliance checks were handled in spreadsheets by underwriting teams. Average time from application to sanction was 12 days, causing applicant drop-off and competitive disadvantage.
Cydez built an end-to-end digital loan decisioning platform integrating CIBIL bureau checks, automated property valuation models, rule-based underwriting engine, and digital agreement signing. The platform connects to Oracle ERP Cloud via MuleSoft for disbursement processing and financial accounting. A borrower mobile app provides real-time application tracking.
How we delivered this project
Discovery
Analyzed 8 years of loan performance data across 200 branches. Mapped the 47-step manual underwriting process. Documented integration requirements with credit bureaus, property databases, and Oracle ERP. Benchmarked competitor approval timelines.
Design
Designed the decisioning engine architecture with 200+ configurable business rules. Created the ML model specification for default prediction using gradient boosting. Designed the borrower mobile app UX and loan officer dashboard.
Development
Built the React-based loan origination frontend, Node.js decisioning engine, and Flutter borrower app. Integrated CIBIL and Experian APIs, developed the property valuation model, and built MuleSoft integration flows for Oracle ERP Cloud disbursement processing.
Launch
Deployed across 200 branches in 4 phases over 16 weeks. Conducted parallel-run with manual process for 30 days. Trained 800 loan officers and 50 branch managers. Achieved 36-hour average sanction time within 60 days of go-live.
What we built
Automated Decisioning Engine
200+ configurable business rules for credit assessment, income verification, property valuation, and compliance checks. Sub-minute decisioning for standard applications.
ML Default Prediction
Gradient boosting model trained on 8 years of loan performance data. Real-time risk scoring enabling risk-based pricing and automated approval for low-risk applications.
Bureau Integration
Real-time credit bureau pulls from CIBIL and Experian with automated score interpretation, credit history analysis, and existing obligation calculation.
Property Valuation Engine
Automated property valuation using geo-tagged pricing data, comparable sales analysis, and location risk assessment. Manual override workflow for complex properties.
Borrower Mobile App
Flutter-based mobile app for application submission, document upload, real-time status tracking, and communication with assigned loan officers.
Digital Agreement Signing
E-stamp paper integration and digital agreement generation with OTP-based e-signing. Full audit trail for regulatory compliance documentation.
Measurable outcomes
- Average sanction time reduced from 12 days to 36 hours
- 5,000+ loan applications processed monthly through the platform
- 30% improvement in applicant conversion rate
- Full audit trail and regulatory compliance documentation automated
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