Optimizing a Loan Origination Platform for Scale and Cost Efficiency 

About the Client 

Our client is an RBI-registered Non-Banking Financial Company (NBFC) focused on extending credit to underserved households and businesses. It bridges banks and financial institutions with originators to empower small businesses and underserved households with access to credit. At the core of its operations lies the Partner Origination System (POS): a mission-critical platform responsible for loan origination, disbursement, and reconciliation processes.

Business Challenge 

Rapid data growth and rising infrastructure costs strained lending operations 

The client’s data warehouse had expanded alongside business growth but lacked a unified strategy for data management and governance. As lending volumes increased, the absence of consistent data standards, structured storage policies, and optimized architecture began to weigh heavily on operations. 

The PostgreSQL database experienced frequent performance slowdowns, while duplicate data, large JSON payloads, and bloated audit tables continuously spiked up infrastructure costs. 

These technology inefficiencies quickly surfaced as business challenges: delayed credit disbursals, rising cost of operations, and compliance risks stemming from sensitive borrower data scattered across unencrypted or redundant systems. Recognizing the growing pressure on both performance and governance, the client engaged Zuci to conduct an independent consulting assessment to define a strategic roadmap for data warehouse modernization, targeted at scalability, cost efficiency, and regulatory alignment. 

Zuci’s Consulting Approach 

Delivered a scalable roadmap for secure and cost‑efficient data operations 

Our consulting team began with a structured two‑week assessment covering data architecture, database schema design, API structures, infrastructure utilization, ETL pipelines, logging, and compliance controls. 

In the course of a strategic consulting engagement, we uncovered how the legacy data warehouse was impacting critical business KPIs, from loan origination speed and customer experience to revenue realization and loan application processing efficiency.  

From these insights, we designed a data warehouse modernization roadmap, which defined both immediate fixes and long‑term architectural priorities to drive scalability, cost efficiency, and strong data governance. 

The roadmap was built around three strategic parameters: cost optimization, performance acceleration, and reinforcement of governance.  
It outlined initiatives to eliminate redundant storage and computing costs. The roadmap also focused on improving database performance for faster loan processing and reinforcing data security through encryption and stronger audit governance. 

Putting the Roadmap into Action 

Reduced infrastructure costs to sustain cost-efficient lending growth 
We began with a detailed cost analysis of the POS environment to uncover inefficiencies in storage and compute utilization. Large JSON payloads, redundant audit data, and uncompressed customer documents were inflating infrastructure spend. 

Zuci implemented document compression, optimized storage tiers, and automated archival and purge policies for audit tables, freeing up capacity and reducing costs without affecting system performance. 

Enhanced database performance to facilitate faster loan processing 

The PostgreSQL database emerged as a major bottleneck during high-volume sanction and disbursement cycles. Using insights from our performance assessment, we conducted SQL profiling, optimized database parameters and schemas, and introduced advanced indexing to balance workloads. 

These improvements reduced query latency, increased throughput, and ensured faster, more reliable loan processing at scale. 

Built data trust and regulatory confidence through stronger governance 
The assessment and roadmap uncovered gaps in how Personally Identifiable Information (PII) and audit records were being managed. We implemented a compliance-driven data governance framework, including end-to-end encryption of PII and secure archival and retention mechanisms aligned with NBFC norms. 

This strengthened the client’s compliance posture, enhanced audit readiness, and reinforced partner confidence in the integrity of lending data.