THE HARD PART“Designing a multi-role platform (Admin, Credit, Field, Collection, Agent) that replaces spreadsheet-and-paper NBFC workflows — multilingual document generation, multi-plan EMIs, and overdue-tracked collections all sharing one auth and audit model.”
Paisa Dekho is a Loan Management System (LMS) and SME Command Center built for small NBFCs (Non-Banking Financial Companies) — automating the entire loan lifecycle from application and credit assessment through disbursement, EMI collection, and reporting. The product replaces the spreadsheet-and-pen-paper workflows that small NBFCs typically run on with a unified, role-based platform.
The system supports five distinct roles — Admin, Credit Officer, Field Investigator, Collection Officer, and Agent — each with a tailored dashboard and permission scope. Loans support both 10th-day and monthly EMI plans, configurable interest rates, multi-language form generation (Hindi and English) for the Loan Application, Terms & Conditions, Guarantor Form, and Agreement Form, and exportable user statements in Excel and PDF. Disbursement captures transaction IDs and receipts; collections are tracked daily, on the 10th, and monthly with overdue analytics.
Under the hood, the backend is Django + DRF with token auth and Celery for async work; the frontend is Vite + React + TypeScript with Tailwind, Shadcn UI, React Router, and TanStack Query. I'm a cofounder on this — owning architecture, the multi-role auth model, the EMI/collections engine, the multilingual document pipeline, and the deployment story end-to-end.