Knight Fintech offers a cloud‑native platform that automates the end‑to‑end loan lifecycle—digital onboarding, AI‑driven underwriting, servicing, collections, and portfolio monitoring—for banks, NBFCs and fintechs. The solution also includes a co‑lending marketplace, treasury and asset‑liability management tools, and plug‑and‑play APIs for embedding compliant credit products into third‑party applications, all secured with bank‑grade encryption and audit controls.
Funding
Funding not disclosed
Founders
Product
Problem
Financial institutions often rely on legacy core banking systems that require manual data entry, siloed workflows, and extensive operator oversight, leading to slow loan processing and high operational costs. Regulatory compliance and risk assessment add further complexity, while the lack of seamless integration with fintech ecosystems limits the ability to offer modern digital credit experiences. These constraints hinder customer acquisition, reduce profitability, and impede scalability.
Solution
Knight Fintech delivers a modular enterprise platform that unifies digital lending, co‑lending, and treasury management into a single, cloud‑native suite. The solution automates the full loan lifecycle—from digital onboarding and AI‑driven underwriting to servicing, collections, and portfolio monitoring—reducing manual touchpoints and turnaround time. Integrated co‑lending capabilities enable banks and NBFCs to share risk and expand credit reach through a governed partnership network. Treasury and asset‑liability management tools provide real‑time balance‑sheet insights, automated funding workflows, and AI‑assisted decision support. Out‑of‑box APIs and SDKs allow rapid embedding of credit products into third‑party apps, wallets, and UPI channels while maintaining DLG compliance. Bank‑grade encryption, role‑based access controls, and continuous regulatory updates ensure data security and auditability. The platform’s plug‑and‑play architecture supports deployment in as little as 60 days, accelerating time‑to‑market for new digital products.
Target Audience
Primary customers are commercial banks, NBFCs, and fintech platforms seeking to digitize their lending operations and integrate embedded credit services. The solution also serves neo‑banks and enterprise lenders that require scalable, compliant, and API‑driven financial products.
Features
- AI‑powered underwriting engine that evaluates over 5,000 data points for real‑time credit scoring and risk profiling.
- End‑to‑end loan origination system (LOS) with configurable digital onboarding, e‑KYC, video KYC, and automated document verification.
- Comprehensive loan management system (LMS) for servicing, collections, escrow handling, and NPA monitoring with automated alerts.
- Co‑lending marketplace that orchestrates multi‑lender syndication, revenue sharing, and securitization workflows.
- Treasury management and ALM module offering automated borrowing, investment allocation, and stress‑testing dashboards.
- Plug‑and‑play API/SDK suite for embedded finance, enabling credit on UPI, WhatsApp, and third‑party platforms with DLG compliance.
- Bank‑grade security framework featuring end‑to‑end encryption, multi‑factor authentication, and audit logs.
- Lightning‑fast go‑live framework with pre‑built connectors to major core banking systems, eliminating data silos and manual integrations.