The lending ecosystem—spanning NBFCs, MFIs, and fintechs—is a cornerstone of financial inclusion and economic growth, providing access to credit for individuals, MSMEs, and underserved communities. Yet, this sector operates in a highly challenging environment. Institutions must balance rapid portfolio growth with tight risk control, manage thin-file or first-time borrowers, comply with evolving RBI regulations, and contain rising costs of collections and field operations. Rising Non-Performing Assets (NPAs) further strain balance sheets, eroding profitability and investor confidence if not addressed proactively. Adding to the complexity, traditional systems such as LOS, LMS, and CBS often operate in silos, producing fragmented data that delays critical insights and decisions.
In this environment, Fintech Analytics101 becomes the central nervous system for lenders. By unifying data across origination, collections, payments, and credit bureaus, the platform transforms raw information into actionable intelligence. From better underwriting at the LOS (fewer bad loans), to stronger recovery in collections (fewer defaults), to early-warning analytics (catching risky borrowers before default), Analytics101 directly reduces NPAs. It provides early signals for delinquencies, optimizes collections strategies, and delivers investor- and regulator-ready MIS with audit-backed accuracy. From portfolio health monitoring to branch and agent productivity, from yield optimization to compliance readiness, Analytics101 equips NBFCs, MFIs, and fintechs to not just react but proactively manage risks and seize opportunities for sustainable growth.
Fintech Analytics101 delivers a DPD-stage risk radar across borrowers, branches, and portfolios, helping lenders detect stress early. With roll-rate and vintage curves, anomaly detectors, and policy stress-testing, institutions can prevent small risks from turning into portfolio shocks.
The platform enables smarter collections through bucket-wise playbooks, geo-cluster heatmaps, and optimized field routes. Digital bounce patterns and agent scorecards help track performance, while PTP-kept ratios ensure promises translate into actual recoveries.
Fintech Analytics101 helps NBFCs and fintechs balance growth with risk by analyzing approval vs. risk trade-offs, repeat borrower behavior, and sourcing channel quality. White-space expansion analysis and underwriting TAT insights support faster, safer portfolio growth.
From yield and ROE tracking to provisioning, securitization pool readiness, and compliance packs, Analytics101 ensures lenders are always investor- and regulator-ready. With audit trails, data lineage, and PII masking, governance and reporting stay seamless.
By unifying bureau data, KYC records, payment behavior, and sourcing channel quality, Analytics101 gives lenders a 360° view of borrower health and partner performance. This reduces fraud risks, highlights strong channels, and improves underwriting and repeat lending decisions.
Percentage of outstanding loans that are at risk due to missed payments—critical for portfolio quality.
Percentage of due payments successfully collected Split by bucket, agent, center, and payment mode key to cash flow health.
Reflects income generated from the loan portfolio as a percentage of outstanding loans.
Measures profitability relative to shareholder equity, ensuring sustainable financial growth.
Approval rates, disbursal volumes, TATs by product, branch, or sourcing channel.
Unique borrowers with active loans; monitor repeat vs. new and center discipline scores.
Provides insights into lending patterns and borrower affordability.
Indicates how effectively deposits are being utilized for lending.
Tracks Monthly Gross Turnover Volume (GTV) and analyze monthly performance
Retail Microfinance businesses could effectively view and analyze their active networks under each sales users
Percentage overdue loans >90 days as per RBI definition
Cost spent to acquire a new retail borrower.
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