MISBuddy for FinTech — NBFC Loan Pipeline, Collections & KYC Management India

The Problem

The credit lifecycle runs on spreadsheets

Lending operations teams manage the entire credit lifecycle across dozens of Excel files: leads in one sheet, KYC status in another, disbursements in a third, collections in a fourth.

Credit analysts spend hours every week copying, filtering, and reformatting data
Risk reviews require pulling from multiple files and reconciling manually
Regulators ask for audit trails that don't exist
Collections teams manually sort DPD buckets and assign agents every morning

MISBuddy gives you a structured, classified, exportable pipeline for every stage — without replacing your core banking system.

Core Workflows

The entire credit lifecycle, automated

1

Loan Application Pipeline

Configuration: Loan Applications

Track every loan application from submission to disbursement. Flag fraud risks, pending KYC, ready-to-disburse applications, and policy declines — automatically.

application_id string mobile_number unique_id loan_type choice loan_amount_requested float loan_amount_approved float credit_score integer employer_type choice application_status choice rejection_reason choice kyc_complete choice channel choice

Disposition Logic: Application Risk Triage

P1

FRAUD_RISK

rejection_reason = Fraud Risk OR credit_score < 300

P2

HIGH_VALUE_APPROVE

application_status = Approved AND loan_amount_approved > ₹10,00,000

P3

PENDING_KYC

application_status in [Applied, Under Review] AND kyc_complete ≠ Yes

P4

POLICY_DECLINE

application_status = Rejected AND rejection_reason ≠ Fraud Risk

P5

READY_TO_DISBURSE

application_status = Approved AND kyc_complete = Yes

P6

DISBURSED / UNDER_REVIEW

application_status = Disbursed or Under Review

2

Collections & Delinquency Management

Configuration: Collections Portfolio

This is where MISBuddy delivers its biggest impact in lending. Collections teams receive daily Excel files from the core banking system. They manually sort by DPD bucket, assign agents, and track outcomes — all in one bloated sheet. MISBuddy automates this entirely.

loan_id string mobile_number unique_id outstanding_principal float total_overdue_amount float dpd integer dpd_bucket choice last_call_outcome choice ptp_date date ptp_amount float legal_notice_sent choice collateral_type choice

Disposition Logic: Collections Prioritisation

P1

LEGAL_ACTION

dpd > 180 AND legal_notice_sent = No

P2

HIGH_VALUE_CRITICAL

outstanding_principal > ₹5,00,000 AND dpd > 60

P3

PTP_FOLLOW_UP

last_call_outcome = PTP AND ptp_date is set

P4

HOT_BUCKET_90

dpd_bucket = 61–90

P5

HOT_BUCKET_60

dpd_bucket = 31–60

P6

FRESH_DELINQUENT

dpd_bucket = 1–30 AND last_call_date is empty

P7

REFUSED / WRONG_CONTACT

last_call_outcome = Refused, or Wrong Number with no alt_mobile

Daily collections workflow:
CBS exports today's delinquency file at 8 AM → upload to MISBuddy → Run classification → Export LEGAL_ACTION (legal team), HIGH_VALUE_CRITICAL + HOT_BUCKET_90 (senior recovery), PTP_FOLLOW_UP (follow-up calling), FRESH_DELINQUENT (field collection).

What previously took 2 hours of manual sorting now takes under 10 minutes.

3

KYC & Compliance Tracking

Configuration: KYC Records

customer_id string aadhaar_verified choice pan_verified choice face_match_score float kyc_method choice re_kyc_due_date date risk_category choice pep_flag choice sanction_check choice dedup_check choice kyc_status choice

Disposition Logic: KYC Risk Flag

P1

SANCTIONED

sanction_check = Hit

P2

PEP_REVIEW

pep_flag = Yes AND risk_category = High

P3

DUPLICATE_IDENTITY

dedup_check = Duplicate

P4

FACE_MATCH_FAIL

face_match_score < 60

P5

EXPIRED_KYC / RE_KYC_DUE

kyc_status = Expired, or re_kyc_due_date is set

P6

CLEAN

kyc_status = Complete AND sanction_check = Clear

4

Transaction Monitoring (Fraud & AML)

Configuration: Transaction Log

transaction_id string transaction_type choice amount float channel choice transaction_status choice is_international choice alert_triggered choice alert_type choice

Disposition Logic: AML Transaction Screen

P1

FREEZE_REVIEW

alert_triggered = Yes AND is_international = Yes

P2

HIGH_VALUE_ALERT

alert_type = High Value AND amount > ₹10,00,000

P3

RAPID_SUCCESSION

alert_type = Rapid Succession

P4

DORMANT_ACTIVATION

alert_type = Dormant Account

P5

SUSPICIOUS / FAILED

Any alert triggered, or transaction_status = Failed

P6

CLEAR

alert_triggered = No AND transaction_status = Success

Integrations

Connects to your existing stack

🏦

Core Banking System

Daily delinquency CSV export → upload to MISBuddy

💼

CRM (Salesforce / LeadSquared)

API push of lead records

📊

Credit Bureau (CIBIL, Experian)

Score data in CSV, merged with application config

📞

Dialler (Exotel, Ozonetel)

Call outcome CSV → upload to update collections config

🏛️

Regulatory (RBI, SEBI)

Filtered Excel export in required format

Business Outcomes

What changes for your team

Collections Team

Prioritises daily work in under 10 minutes, not 2 hours. Agents receive pre-sorted packets matched to their specialisation.

Risk Team

Runs KYC exception reports on demand, not end-of-month. Fraud and PEP flags surface automatically at upload.

Compliance

Has an audit trail of every classification decision — who uploaded, which logic was applied, who exported which packets.

Senior Management

Sees portfolio health by DPD bucket without chasing analysts. Real-time view of approvals, disbursements, and delinquencies.

Operations

Measures agent performance by packet — how many PTPs converted to payments, conversion rates by DPD bucket.

Loan pipeline. Collections. KYC. AML. All classified. All auditable.

The credit lifecycle runs on spreadsheets

The entire credit lifecycle, automated

Connects to your existing stack

What changes for your team

Ready to classify your entire credit portfolio?