The full lending stack for NBFCs scaling past ₹1,000 Cr.
Origination. Management. Co-lending. Securitisation. ML decisioning. One platform, RBI-aligned, India-ready.
CortexData is the lending OS for the NBFC scale-up problem: you've outgrown your original LOS, your co-lending programmes are reconciliation nightmares, and your treasury wants to securitise. Instead of stitching together six vendors, run it on one platform built for India's regulatory reality.
The problems we keep seeing in scaling NBFCs.
If three or more of these are happening at your firm right now, CortexData solves the next year of your roadmap.
We grew origination 5x in two years on duct-taped LOS workflows. Now scaling another 3x is breaking. Adding products takes months. Underwriter throughput plateaus. Field teams use WhatsApp because the platform is too slow.
CortexData LOS scales horizontally per service. Adding a product line is a configuration + scorecard change, not a build. The underwriter screen is designed around a 7-minute decision cycle: claim → review → decide → next.
Every co-lending programme with a bank partner means a new spreadsheet for settlement reconciliation, a new email chain for partner KYC, and a new compliance person checking RBI co-lending caps weekly.
CortexData Co-Lending implements the RBI Co-Lending Master Direction (Nov 2020) end-to-end. Originator + partner roles, escrow disbursement, daily settlement reconciliation, partner exposure caps, single-customer-interface enforcement.
Our treasury wants to securitise. Investment bankers quote ₹50 lakhs for 'platform setup' alone. Each issuance is a 4-month bespoke build because no off-the-shelf platform supports the RBI 2021 securitisation framework with PTC issuance + investor onboarding.
CortexData PTC implements RBI Securitisation Master Direction 2021. Pool eligibility, MRR/MHP, true-sale verification, tranching, cash-flow waterfall, investor onboarding, secondary trading, RBI quarterly reporting — all built-in. Issuance becomes a configuration, not a project.
RBI returns (IRACP, PSL Form A, DSB) take 3-5 person-days each because the underlying data lives in 6 systems. Reconciling DSB to LMS to bank statement is a manual exercise. Inspectors find inconsistencies. Penalties happen.
All four returns generate from the same source-of-truth in the LMS. Daily DSB, monthly IRACP, quarterly PSL Form A, quarterly OSS-3 — same data, regulator-ready format, document IDs preserved for audit.
Our credit committee wants ML scoring. The data scientist built an XGBoost model in a notebook. Productionising it has been 'next quarter' for 3 quarters. Meanwhile underwriters override the rule engine 30% of the time, and we have no audit defensibility for those overrides.
CortexData ships ML decisioning as a production layer: 5-model fraud ensemble, calibrated PD model, per-decision feature attribution into the audit chain. Trained on YOUR data, on-premise. Underwriter override paths are first-class — every override is captured, attributed, and reviewable.
The right CortexData modules for you
Loan Origination
8 product lines, ML-driven scoring, sanction matrix that scales from regional to head-office authority.
Module details LMSLoan Management
Daily IRACP at scale, gold + CC/OD lifecycle, dunning orchestration, channel reconciliation.
Module details Co-LendingCo-Lending Platform
Run multiple bank-partner programmes simultaneously, with full RBI Co-Lending Model compliance.
Module details PTCPTC / Securitisation
Securitise into PTCs against the RBI 2021 framework. Pool to investor in one platform.
Module details CLOCLO
Structured-finance issuance and managed-pool structures. Design partners welcome.
Module detailsWhat changes after CortexData.
- Underwriter throughput up — 7-minute decision cycle vs. 25+ on legacy
- Co-lending programmes go from 6-month builds to 3-week launches
- Securitisation issuance moves from spreadsheet to platform
- RBI returns generated in seconds, not person-days
- ML scoring that's trained on YOUR data, on YOUR infrastructure
- Per-decision audit trail defensible to RBI and the Banking Ombudsman
- Multi-tenant: one platform serves your wholly-owned subsidiaries
- API-first: plug into your existing CRM, KYC stack, and notification systems
From one product to four-product co-lending in 6 months.
Bring us your next product launch or your next co-lending programme. We'll model it on CortexData and walk you through the full lifecycle — origination to disbursement to settlement to RBI return.