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BSFI

Meeting Growth Targets Without Impacting Credit Quality for a Mid-Market NBFC

“The team deeply understands financial services and is highly accessible for guiding APAC on the platform's technology and features.”

Nikhil Bandi
CTO, APAC Financial Services private Limited

40% Loan Book Growth While Keeping NPA at sub 2% levels

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Loan book

Grew by 40% YoY, maintaining a strong credit quality.

NPA controlled

at just sub 2% meeting strict risk management criteria.

Disbursement

this month reached ₹85 Crores, reflecting a 13.1% increase.

Disbursement

latency reduced to 8 days, improving operational efficiency.

Why this NBFC Loves nanoBi

  • Lending Portfolio Analytics covering the loan lifecycle.
  • Automated risk identification and monitoring.
  • Improving credit decisions.
  • Advanced analytics dashboards across the enterprise.
  • Role-specific insights for strategic decision-making.
  • Comprehensive Metadata Catalog

Loan book

Grew by 40% YoY, maintaining a strong credit quality.

NPA controlled

at just sub 2% meeting strict risk management criteria.

Disbursement

this month reached ₹85 Crores, reflecting a 13.1% increase.

Disbursement

latency reduced to 8 days, improving operational efficiency.

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About the Client

A leading Mid-Market Non-Banking Finance Company (NBFC) operating across 12 states in India, offering small-ticket loans to businesses in semi-rural areas. The company aimed to scale its loan book aggressively while maintaining conservative risk policies to ensure portfolio stability.

Challenges Before nanoBI

  • Balancing growth with credit quality, ensuring loan expansion without rising NPAs.
  • Lack of integrated risk monitoring, making it difficult to track portfolio health.
  • Manual processes delaying loan disbursement, increasing operational inefficiencies.
  • Limited analytics for decision-making, restricting proactive risk assessment.

nanoBI Solution

  • nanoBI’s Lending Portfolio Analytics was deployed to cover the loan life-cycle from origination to repayment.
  • The deployment was completed in a record time of 4 weeks only.​
  • The solution empowered the NBFC to use data in making decisions at all levels – from a loan officer in the field to the C-Suite for reviews​.
  • The NBFC incrementally added newer functional areas of analytics like Audit and HR to the platform functionality.

“The team deeply understands financial services and is highly accessible for guiding APAC on the platform's technology and features.”

Nikhil Bandi
CTO, APAC Financial Services private Limited

How Things Have Changed

  • With nanoBI’s advanced analytics and automation, the NBFC successfully scaled its loan book by 40% YoY while keeping NPAs at sub 2%
  • The introduction of real-time risk monitoring and portfolio analytics has empowered decision-makers to proactively manage loan performance.
  • Loan disbursement processes have become more efficient, reducing turnaround time to just 8 days.
  • The company now leverages role-specific analytical insights, enabling data-driven decisions across credit, risk, and audit teams.
  • This transformation has positioned the NBFC for sustained growth while maintaining a robust risk management framework

40% Loan Book Growth While Keeping NPA at sub 2% levels

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