Loan Routing Rule Engine
Project Information
- Category: Data-Driven Rule Engine
- Client: Co-Lending Platform
- Stack: Multi-Parameter Routing Logic, No-Code Configuration
- Delivery: Co-Lending Allocation Engine
From arbitrary percentage splits to dynamic, regulation-compliant partner allocation.
A co-lending platform was splitting loan applications between partners using static percentage rules that ignored borrower risk, lender capacity, and regulatory co-lending proportion requirements. We built a configurable routing engine that allocates each application optimally—and lets the business team adjust the logic without engineering involvement.
The Challenge
The co-lending platform was routing loan applications between its two lending partners—an NBFC and a scheduled commercial bank—using a fixed percentage split configured in their origination system. The split was static: every application was allocated the same way regardless of borrower credit tier, loan amount, geography, product type, or real-time partner capacity constraints. This meant the platform wasn't meeting its co-lending proportion obligations in all scenarios, wasn't responding to partner capacity signals, and had no mechanism to optimise allocation by risk profile. Every change to the split required an engineering ticket and a release.
What We Built
We built a configurable loan routing rule engine that evaluates each application against a multi-parameter routing decision: borrower credit tier, loan amount, geography, product type, and real-time partner capacity signals, alongside configurable co-lending proportion rules that enforce the required regulatory allocation thresholds. The business team maintains the routing logic through a no-code interface—without engineering dependency. Every routing decision is version-controlled and fully logged with the applied rule path and allocation output.
Key Capabilities Delivered
- Multi-parameter routing logic: credit tier, loan amount, geography, product type
- Configurable co-lending proportion rules to meet RBI regulatory requirements
- Real-time partner capacity signals factored into routing decisions
- No-code rule authoring for business team self-service
- Version-controlled rule history with full execution audit trail
- Sandbox testing before any routing rule change is promoted to production
The Outcome
The platform moved from static percentage splits to dynamic, criteria-based routing that respects co-lending regulatory requirements, responds to partner capacity constraints, and optimises allocation by borrower risk profile. The business team can now adjust routing logic in hours rather than waiting weeks for an engineering release. The complete audit trail on every routing decision gives the compliance team the documentation they need for regulatory co-lending reporting.