Service Details
Our Services
Lending Software That Works the Way Lenders Actually Work
Getting credit to the right borrowers fast—without breaking compliance or burning your engineering team on integrations—takes more than good intentions. It takes software designed specifically for this. TFM Technologies engineers the full lending stack: from your applicant's first touchpoint through real-time decisioning to funded loans and portfolio monitoring. Every component is API-first, compliance-ready, and built to connect with your existing infrastructure or run standalone from day one.
Customer Onboarding
Your onboarding flow is where you lose most applicants—and most lenders know it. A clunky KYC step, a document upload that doesn't work on mobile, a re-engagement trigger that fires too late: each of these quietly erodes your conversion rate before a credit decision is ever made. We build onboarding journeys that are straightforward for your applicants and rigorous for your compliance team, configurable by product type, jurisdiction, and applicant segment.
- KYC/KYB identity verification with document capture, OCR extraction, and liveness checks
- Real-time bureau pulls and AML screening integrated into the onboarding flow
- E-signatures and consent management with purpose binding
- Drop-off recovery workflows with smart re-engagement triggers
- Configurable step sequencing and branching logic per product or segment
Automated Underwriting
Manual credit review can't keep up. If every policy change needs an engineering ticket, or your decisioning depends on spreadsheets and email chains, you're leaving approvals on the table—and making borrowers wait longer than they should. Our underwriting engine evaluates each application in real time: bureau data, alternative data, and your own credit policy all in a single pass. Your risk team updates the logic themselves. Full audit trail on every decision.
- Multi-bureau orchestration: CIBIL, Equifax, Experian, and CRIF in a single pass
- Alternative data enrichment via bank statement analysis, GST/ITR income verification, and Account Aggregator
- Configurable policy rules editable by credit teams without engineering involvement
- Approve / refer / decline outputs with structured reason codes for regulatory reporting
- Sub-2-second end-to-end decisioning API under production load
Loan Marketplace
Running a multi-lender marketplace means making thousands of routing decisions a day. If your matching logic is manual, opaque, or locked in a spreadsheet, you're routing on instinct instead of data—and losing funded volume to mismatches. We build marketplace platforms that evaluate each application against real-time lender appetite: credit tier, loan amount, geography, product type, LTV ratios, and live lender capacity signals.
- Waterfall, simultaneous multi-submit, and best-offer presentation, all of which are configurable
- Lender abstraction layer: adding a new provider requires no core platform changes
- Real-time lender capacity and appetite signals factored into routing logic
- Borrower-facing best-offer comparison and selection
- Scalable to 40+ lender integrations with complex, overlapping eligibility criteria
Algorithmic Lending
A bureau score tells part of the story. It doesn't tell you how an applicant manages their cash flow week to week, or whether their GST filings reflect a genuinely growing business. That's why a meaningful share of creditworthy borrowers—especially thin-file and new-to-credit segments—never get approved under bureau-only models. We build ML-driven credit models trained on your loan book and enriched with alternative data, giving you more accurate risk assessment across every credit tier and a risk-based pricing engine that sets rates dynamically on predicted probability of default.
- Models trained on bank transaction patterns, GST/ITR income signals, telco and utility behaviour, and application metadata
- Thin-file and new-to-credit segment coverage through alternative data features
- Risk-based pricing engine mapping predicted PD to dynamic interest rate bands
- Ongoing model monitoring, drift detection, and scheduled retraining on your loan book
- Staging and validation pipeline before any model is promoted to production
Data-Driven Rule Engines
If your credit team has to wait weeks every time they want to adjust a decision threshold or update a fraud rule, your policy is always running behind reality. Engineering bottlenecks in credit decisioning aren't just a process problem—they're a risk problem. Our rule engine puts control back where it belongs: with your underwriting and risk teams. They author, test, and deploy policy changes through a no-code interface, without writing a line of code or filing a ticket. Rules execute in real time via a sub-100ms decisioning API callable from any system.
- No-code rule authoring interface with structured expression builder
- Sandbox testing against real sample data before any rule reaches production
- Full version history with one-click rollback to any prior rule state
- Every rule execution logged with inputs, outputs, and matched rule path
- Sub-100ms API response time under concurrent production load
Platform Engineering & Integrations
Every lending operation depends on a network of third-party services: credit bureaus, bank data aggregators, GSTN, income verification APIs, e-sign providers, CRMs. When one of them goes down or quietly changes an API response format, you need your platform to handle it gracefully—not surface errors to your applicants or fail silently in your decisioning flow. We design and maintain the integration layer that holds this all together, reliably and at scale.
- Robust error handling, circuit breakers, and graceful degradation when upstream services fail
- SLA monitoring dashboards with per-provider latency and availability tracking
- All integrations versioned and contract-tested to prevent silent breakage on provider updates
- Unified provider abstraction layer for CIBIL, Equifax, Experian, CRIF, Account Aggregator, Digilocker, and more
- Sandbox environments per provider for development and QA without hitting live APIs