BSFI, NBFC
Meeting Growth Targets Without Impacting Credit Quality for a Mid-Market NBFC
40% Loan Book Growth While Keeping NPA at sub 2% levels
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.
Loved it? Ready to try nanoBI?
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.
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
