First Slide
Technology
Our proprietary technology, IntelliRADAR has now evolved into a more complete low/no code, Event-Driven, Real-Time Business Service Platform.

We are an Advanced ISV / Tech partner of AWS and our platform architecture undergoes regular reviews under the WAR (Well Architected Review) framework of AWS

Fully Managed Services

Aurora PostGreSQL database as the transaction backend offered as a fully-managed service delivers unprecedented availability, durability and scalability features at a fraction of the TCO of enterprise-grade databases. Our clients get an unprecedented degree of Lending Freedom coupled with Database Freedom, that rids them from the tyranny, lock-in and costs of enterprise-grade databases.

Seamless Integration

Various 3rd party services of clients and partners can be easily integrated into the WLH Credit Gateway platform and dynamically orchestrated along with the WLH’s own services.

Managed Service Delivery Model

A comprehensive, fully cost-hedged delivery model which mitigates both, financial and opportunity costs, for lenders. This covers –

  • Core WLH Platform including version/feature upgrades
  • Servers, OS, Database, SW prerequisites, provision & administration of cloud infrastructure on Amazon AWS as a dedicated, secure instance per Client (Production + Test + DR)
  • Initial Setup + L2/L3 Support for the Build, Deploy and Run phases
  • Static user Reports

Pay as you scale

  • No capex, only opex monthly subscription-based service.
  • Full visibility & predictability wrt costs via transparent linkage to business volumes.
  • Allows organizations to not only start small but benefit from better unit economics on an ongoing basis as they scale their business.
  • Hedges clients from unpredictable ‘change request costs’ and brings in greater transparency in terms of total cost of ownership.

Augmented Credit Intelligence

An array of self-built/partner-provided augmented credit solutions leveraging alternate data that we offer our clients

  • Socio-Economic Profiler (SEP) macro-economic variables-based credit score derived from a wide array of public data sources, that helps lenders predict delinquency better by providing them the socio-economic context of a borrower at the time of credit assessment.
  • Psychometric Profile score helps lenders to ascertain the loan applicant’s “intent to repay” digitally Once done, the resultant score can be flexibly used by them in their credit rules / scoring models.
  • GSTN Insights helps lenders ascertain GST payment / return-filing compliance and enables them to target flow-based / other financing by accessing business financial information from a core source.
  • Mobile Credit Intelligence leverages consent-based mobile number-related attributes to compute credit score, particularly for assessing first-time borrowers
  • Property Valuation helps lenders to validate property valuations through real-time access to real estate prices and related insights. This empowers them to appraise and decision property-related loans faster, and in a more robust manner.
  • Vehicle Valuation provides vehicle related insights viz. history certificate etc. on a real-time and digital basis, thereby enabling speedier appraisal and disbursals for used vehicle loans.

Enterprise, Enterprise Lite and Micro Plans

  • Makes it viable for players across the spectrum, to build their business on a robust technology ecosystem at a cost that their current business life stage can afford.
  • Wide array of enterprise and enterprise lite plans that cater to medium/large-sized players in the lending segment.
  • An innovative array of micro plans that enable small-sized lenders / aggregators / fintechs and even enterprises to subscribe to API bundles that are core to their current life-stage, and at a fraction of the cost they would otherwise incur.
  • Irrespective of size, lenders set up their businesses on a strong, scalable and investment-efficient platform.

Micro Plans – the Bharat Credit Stack

  • Middle-India or ‘Bharat’ – comprising of ~100 million households and ~60 million MSMEs – presents the largest untapped opportunity to lenders. Our belief is that this endeavour to democratize credit needs enablement through democratization of the underlying credit technology and infrastructure. We are therefore, building the Bharat Credit Stack for The Next500Million Indians.
  • As part of this vision, we have unbundled our platform capabilities through our Micro Plans offerings. Our Micro Plans are API bundles which provide complete flexibility and agility to choose and deploy the services you need across & within each of these bundles, and are fully business user-configurable. These services are designed to eliminate the current challenges around Data, Process, Access and Assess – the core drivers of credit friction.
  • Whether you are an analog or a digital lender, or a loan originator (aggregator, marketplace operator, loan service provider etc), our Micro Plans enable you to ‘pick and choose’ easily-tailored services relevant for your use-case. Our volume-linked subscription-based pricing model also allows you to embrace the power of new-age lending technology without prohibitive upfront costs.
  • Check out more about Bharat Credit Stack Micro Plans and Early Adopter pricing

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