Banking & Financial Services
Lending & Credit
Comprehensive guide to lending systems — loan origination, credit decisioning, underwriting, loan management systems, collections, and embedded lending.
₹22L Cr
Credit Outstanding
₹6L Cr
Digital Lending
850+
Active NBFCs
60%
Digital Journey
What is Lending & Credit?
Lending & Credit encompasses all systems involved in providing loans to individuals and businesses. This includes loan origination (application to disbursement), credit decisioning (bureau checks, underwriting), loan management (repayment, interest calculation), collections (delinquency management), and emerging areas like embedded lending and Buy Now Pay Later (BNPL). Modern lending platforms leverage AI/ML for credit scoring and offer instant digital loans.
Why Learn This Domain?
- ✓India's digital lending market projected to reach $350B by 2023
- ✓NBFCs and fintechs disrupting traditional bank lending
- ✓AI/ML transforming credit decisioning and risk assessment
- ✓Embedded lending enabling credit at point of purchase
- ✓RBI digital lending guidelines creating compliance requirements
- ✓High demand for engineers in lending technology
Industry Players & Real Applications
🇮🇳 Indian Companies
HDFC Bank
Bank
Finacle, Custom LMS
Largest private sector lender
ICICI Bank
Bank
Finacle, iLens
Strong digital lending
Bajaj Finance
NBFC
Custom Platform
Largest NBFC, instant loans
CRED
Fintech
Modern Stack
Credit card bill payments, credit line
KreditBee
Fintech
Cloud-native
Digital personal loans
Capital Float
NBFC
AWS, Microservices
SME lending, embedded finance
🌍 Global Companies
JPMorgan Chase
USABank
nCino, Custom
Largest US bank
SoFi
USAFintech
Galileo, Modern
Digital lending leader
Upstart
USAAI Lending
ML Platform
AI-based underwriting
Klarna
SwedenBNPL
AWS, Microservices
150M users globally
Affirm
USABNPL
Cloud-native
Major BNPL in US
OakNorth
UKPlatform
AI/ML Platform
SME lending platform