Scalable Gold Lending Platform for Modern Financial Institutions

Challenges

• •

  Fragmented Operational Systems: Loan origination, valuation, accounting, and repayment tracking were handled across disconnected systems, creating operational silos.

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  Manual Gold Appraisal & Loan Lifecycle: Branch-level dependency on manual documentation increased processing time and introduced compliance risks.

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  Payment Reconciliation Gaps: Lack of automated reconciliation between payment gateway and ERP led to accounting discrepancies.

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  Limited Customer Transparency: Customers lacked digital access to real-time loan status, repayment schedules, and outstanding balances.

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  Scalability Constraints: The existing infrastructure was not designed to handle rapid branch expansion and increasing transaction volumes.

Tools & Technologies

Solution

• 1

  Enterprise-Ready Mobile Lending Application: Built a secure cross-platform mobile app enabling digital onboarding, gold loan applications, EMI tracking, and repayment management with enterprise-grade security.

• 2

  Odoo ERP Core Integration: Designed Odoo as the centralized loan management system to manage customer records, gold valuation data, disbursements, EMI schedules, accounting workflows, and audit trails.

• 3

  Secure API & Middleware Layer: Implemented a RESTful middleware architecture ensuring scalable communication between mobile application and ERP with strict authentication and authorization controls.

• 4

  Automated EMI & Interest Engine: Developed configurable interest calculation logic supporting tenure-based, branch-level, and product-level customization.

• 5

  Razorpay Integration with Webhook Reconciliation: Integrated secure payment processing with real-time webhook listeners to automatically update ERP records upon successful transactions.

• 6

  Branch-Level Role Management: Implemented hierarchical access control for branch managers, auditors, loan officers, and operations teams.

• 7

  Compliance & Audit Logging: Built detailed logging and transaction tracking to support financial audits and regulatory compliance requirements.

• 8

  Scalable Infrastructure Design: Architected the system to support multi-branch expansion with high concurrency and performance optimization.

Project Screenshots & Solution Gallery