Lending and NBFC · Case study
NBFC digital transformation consulting: one operating model, one loan platform
A lender needed to change how it operated and also needed software that would hold up while it did. One team handled both.
- Client profile
- Mid-sized non-banking lender, India
- Scope
- Operating model, process design, loan platform build
- Stack
- Microsoft .NET, enterprise ERP
- Engagement
- Advisory through delivery and support
The situation
The challenge behind this NBFC digital transformation project
The client's loan book was growing through several product lines. Each line had its own spreadsheets, its own approval path and its own definition of an overdue account. Month-end reporting meant reconciling those differences by hand.
Leadership had tried two fixes. A software package was configured to match existing habits. A separate advisory exercise produced a target process the package could not support.
The brief to Bigsun was to decide what the operation should look like, then build and run the system that makes it so.
Why it needed both
Why NBFC digital transformation needs consulting and engineering together
Advice alone
A clean target process that the existing package could not enforce. The lender had already paid for one of these.
Build alone
A package configured to match current habits, which preserved the inconsistency it was bought to remove.
How the engagement ran
Our NBFC digital transformation approach: four stages, one team
- Stage 1
Diagnose
Business analysts and senior engineers sat with credit, collections and finance teams together. Process gaps and system limits were documented side by side.
- Stage 2
Design
One operating model for all product lines, with every rule tested against what the platform could enforce before sign-off.
- Stage 3
Deliver
Built on a modern .NET foundation in short releases, each reviewed by the people who would use it.
- Stage 4
Run
The delivery team stayed on for support and change control, so lessons from production went back into the design.
What the client got
What we delivered: an operating model and a platform that agree
From the consulting side
- One definition of loan status and overdue stages across every product line.
- A clear approval matrix that finance, credit and operations all signed.
- A change-request discipline so new asks are scoped and priced before work starts.
From the technology side
- A single loan management and accounting platform replacing product-line spreadsheets.
- Rules enforced in the system, so compliance does not depend on memory.
- Controls and audit trails built in from the first release.
“For the first time, the people who designed our process and the people who built the system were answering to the same outcome.”
Questions
NBFC digital transformation: common questions
What does NBFC digital transformation consulting involve?
It starts with how credit, collections and finance actually work today. The team then designs one operating model, configures or builds the lending platform to enforce it, and supports the first live cycles.
Why combine consulting and software delivery for a lender?
Lending rules such as approvals, status definitions and overdue stages must be enforced in software. When the consultants and engineers are one team, the process that is designed is the process that can be built.
Which technology was used?
A Microsoft .NET foundation with an enterprise ERP and lending modules, released in short cycles and reviewed by business users.
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