The situation
A multi-branch gold loan lender could disburse in twenty minutes but took up to three days to complete the post-disbursal file — KYC pack, valuation certificate, sanction letter, insurance, bureau pull, audit copy — across four people. The backlog was permanent and grew with volume. Every branch audit surfaced the same finding: files incomplete, documents missing, cross-checks not done.
What we built
Loan origination and post-disbursal workflow on Zoho, then document agents on the file itself:
Document reading and extraction — Reading each document, extracting key fields, cross-checking against system records and the bureau pull
Mismatch flagging — Flagging mismatches and routing anything below the confidence threshold to a credit officer with the source document already open
Immutable audit trail — Every decision logged with a timestamp, the source document and the model version
Orchestration — Built and orchestrated in n8n, deployed on secure infrastructure
Method
Industry
NBFC / Gold Loan
What was measured
File completion TAT, straight-through rate, exception accuracy
Governance
Human review below confidence threshold; immutable decision logs