Customer acquisition
Channel attribution, landing journeys, application initiation, and campaign-level monitoring.
For regulated lending institutions
Build the next generation of digital credit with jebSathi.
Technology-led lending infrastructure and borrower acquisition for regulated financial institutions—while the regulated lending partner retains control of credit policy and every final lending decision.
Technology-led LSP modelConfigurable workflowsTransparent disclosuresAudit-ready eventsLender control
A modular journey from acquisition to servicing support
These capabilities describe the intended platform direction. Final scope, integrations, responsibilities, and go-live readiness would be established with each lending partner.
Digital onboarding
Structured data capture, document workflows, progress states, and lender handoffs.
KYC & verification
Planned integrations for consent, KYC, banking, bureau, and other approved checks.
Risk signals & decisioning support
Configurable rules, fraud signals, eligibility inputs, and reason-code traceability.
Servicing, payments & notifications
Planned support and repayment communication workflows under agreed lender controls.
Reporting & collections support
Planned application reporting, issue routing and compliant collections-support workflows.
Readiness note: Public capability descriptions are forward-looking unless supported by completed partner diligence, integration evidence, and agreed operating procedures.
Short-term personal credit
The proposed journey is focused on unsecured personal credit for defined short-term needs. Product parameters, permitted use cases, pricing, limits, tenure, and eligibility would be set by the regulated lending partner.
Loan typeShort-term personal credit
Ticket size₹5,000–₹40,000
Tenure7–30 days
- Digital application and verification journey
- Lender-issued KFS and agreement before acceptance
- Direct lender decision and disbursal
- Clear repayment and support communications
Digitally reachable applicants
The intended segment is borrowers seeking short-term personal credit who can complete a digital journey and satisfy the partner’s eligibility and verification requirements.
No demographic, geography, income band, approval rate, portfolio size, or credit-performance claim is made here. Targeting and exclusions would be agreed with the lending partner and reflected in approved policy.
Explicit roles from application to disbursal
The operating design separates journey support from regulated lending decisions.
Borrower→jebSathi→Digital Application→KYC/Verification→Risk & Eligibility Support→Regulated Lending Partner→Loan Decision→Disbursal
jebSathi supports
Approved acquisition, application orchestration, verification integrations, risk inputs, customer communications, and operational reporting.
Lending partner controls
Product and credit policy, underwriting, approval or decline, pricing, sanction, KFS, agreement, disbursal, and regulatory obligations as lender.
Jointly governed
Integration scope, customer journey, SLAs, monitoring, incident response, complaint routing, change control, and portfolio review.
Before launch
Diligence, contracts, approved policies, tested integrations, disclosures, escalation paths, controls, and evidence of operational readiness.
Risk and compliance
Controls are part of the product
The proposed model treats accountability, consent, customer disclosures, policy alignment, monitoring, and traceability as implementation requirements—not marketing labels.
Partner-approved eligibility rules and clear decision ownership.
Consent records and purpose-specific data handling.
Lender identification and KFS before borrower acceptance.
Complaint routing, escalation, and response accountability.
Fraud and anomaly signals subject to agreed review processes.
Monitoring, audit trails, incident handling, and change control.
Technology approach
Composable integrations with observable handoffs
The intended architecture supports partner-specific workflows through APIs and configurable rules, with traceable events across application states. Technical claims remain subject to implementation, testing, security review, and partner acceptance.
Lending institutions
Start a Conversation →Start with scope and diligence.
Contact jebSathi to discuss the proposed product, responsibilities, controls, evidence, and integration path.