Patsanstha SaaS Credit Risk Platform
Budget: ₹12,500 – ₹37,500 INR
Project Title:
Credit Cooperative Risk Exchange Platform (Patsanstha SaaS)
Project Overview:
We are building a Credit Cooperative Risk Exchange Platform for Patsanstha (Credit Cooperative Societies) in India.
The goal is to create a shared borrower database + risk scoring system, similar to a mini CIBIL but designed specifically for closed cooperative networks.
This will be a SaaS-based platform where multiple patsansthas can onboard, share loan/borrower data, and assess credit risk before approving loans.
Key Objectives:
Enable patsansthas to check borrower history across network
Build a custom credit risk scoring system
Maintain defaulter tracking system
Provide secure and role-based access
Scope of Work:
1. Admin & Multi-Tenant System
Super Admin panel (platform owner)
Patsanstha Admin panel
Role-based access (collection agents, managers)
2. Borrower & Loan Management
Borrower profile creation (KYC fields)
Loan entry & repayment tracking
Shared borrower history across network
3. Risk Engine
Rule-based credit scoring system
Defaulter flagging
Risk categories (Low / Medium / High)
4. Dashboard & Reports
Loan reports
Risk analytics dashboard
Defaulter reports
5. Security & Compliance
Data encryption
Secure APIs
Basic compliance-ready architecture (India)
Tech Requirements (Preferred):
Backend: Node.js / Java (Spring Boot)
Frontend: React.js
Database: PostgreSQL / MongoDB
Cloud: AWS / DigitalOcean
Future Integrations (Optional Phase 2):
UPI AutoPay / Payment Gateway (Razorpay / Cashfree)
eMandate system
Credit bureau API integration
Developer Requirements:
Experience in fintech / SaaS platforms
Experience with secure data handling
Portfolio of similar systems preferred
Proposal Requirements:
Similar projects (if any)
Suggested tech stack
Estimated timeline & cost
Approach for building risk scoring system
Note:
This is a closed network platform, not a public credit bureau. Developers must ensure data privacy and scalability.
Credit Cooperative Risk Exchange Platform (Patsanstha SaaS)
Project Overview:
We are building a Credit Cooperative Risk Exchange Platform for Patsanstha (Credit Cooperative Societies) in India.
The goal is to create a shared borrower database + risk scoring system, similar to a mini CIBIL but designed specifically for closed cooperative networks.
This will be a SaaS-based platform where multiple patsansthas can onboard, share loan/borrower data, and assess credit risk before approving loans.
Key Objectives:
Enable patsansthas to check borrower history across network
Build a custom credit risk scoring system
Maintain defaulter tracking system
Provide secure and role-based access
Scope of Work:
1. Admin & Multi-Tenant System
Super Admin panel (platform owner)
Patsanstha Admin panel
Role-based access (collection agents, managers)
2. Borrower & Loan Management
Borrower profile creation (KYC fields)
Loan entry & repayment tracking
Shared borrower history across network
3. Risk Engine
Rule-based credit scoring system
Defaulter flagging
Risk categories (Low / Medium / High)
4. Dashboard & Reports
Loan reports
Risk analytics dashboard
Defaulter reports
5. Security & Compliance
Data encryption
Secure APIs
Basic compliance-ready architecture (India)
Tech Requirements (Preferred):
Backend: Node.js / Java (Spring Boot)
Frontend: React.js
Database: PostgreSQL / MongoDB
Cloud: AWS / DigitalOcean
Future Integrations (Optional Phase 2):
UPI AutoPay / Payment Gateway (Razorpay / Cashfree)
eMandate system
Credit bureau API integration
Developer Requirements:
Experience in fintech / SaaS platforms
Experience with secure data handling
Portfolio of similar systems preferred
Proposal Requirements:
Similar projects (if any)
Suggested tech stack
Estimated timeline & cost
Approach for building risk scoring system
Note:
This is a closed network platform, not a public credit bureau. Developers must ensure data privacy and scalability.