Cut loan disbursal from 6 days to 41 minutes
Re-built a 14-year-old origination stack on a modular core, connected 22 underwriting data sources, and shipped the first product line live in 11 weeks.
The problem
A 14-year-old loan origination stack written in three languages, deployed to bare metal in two data centres.
Median time-to-disbursal was six days. Underwriting data came from PDFs, faxes (yes) and three separate scoring APIs that had stopped agreeing.
An RBI audit had given the lender 12 months to ship a new system or stop originating in three product lines.
Our approach
Two-week fixed-bid discovery with the credit, ops and compliance teams. We came out with a build plan, a risks register, and a recommendation to keep core ledger as-is.
Re-built the origination layer on a modular core: event-driven, with a shared decisioning service backing the three product lines.
Integrated 22 underwriting data sources behind a single fetch-and-cache layer with auditable lineage.
Shipped the first product line — personal loans — to a 10% production traffic shadow in week 9, full traffic in week 11.
Results
Median time-to-disbursal: 6 days → 41 minutes. P95: 4 hours.
Underwriter productivity up 3.1× — same headcount, 3.2× volume.
Audit closed on the first product line in week 14; remaining lines through by month 9.
“Hontec ran the engagement like a product launch, not a services contract. The transition plan was as good as the build plan.”
Have a problem worth solving? Bring it.
Tell us what you're trying to ship. We'll come back inside two working days with people, a plan, or both.