Mahindra Finance — Digitising Loan Journey
Mahindra Finance serves a large base of customers in rural and semi-urban India, where traditional loan journeys were heavily manual, paper-based, and fragmented across departments. Disbursals were delayed, user experience was inconsistent, and back-end teams struggled with tracking and reporting. The client needed a robust, scalable platform that could digitize and simplify these journeys—without alienating users unfamiliar with complex interfaces.
The Solution
Sodel Solutions collaborated with Mahindra Finance to build an end-to-end digital platform for personal and consumer durable loans.
- Mobile-first design optimized for field executives
- Seamless KYC integration (XML, CKYC, Aadhaar, OCR)
- Real-time loan eligibility via AI scoring models
- Agent and customer flows with offline support
- Admin and dealer dashboards with dynamic scheme mapping
- Complete backend with mandates, agreements, and audit trails
This wasn't just a technical build—it was a business transformation delivered through agile product development and a clear understanding of ground-level financial operations.
💬 Client Voice
The best part about working with Sodel was how quickly they understood our customer. They didn't overcomplicate. They just built smart, scalable, and intuitive tools that our teams could use from day one.
Product Head, Mahindra Finance
Key Outcomes
- Processing time dropped from 3 days to under 10 minutes
- 90%+ journeys now digitized across rural branches
- Offline-first app used in 100+ network-constrained locations
- AI-powered checks reduced manual underwriting load by 60%
- Admin and dealer dashboards with dynamic scheme mapping
- Real-time dashboards helped improve lead conversion visibility
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Feature Deep Dive
Smart Scheme Engine Enabled agents to dynamically view & offer the right loan schemes (OEM-specific, geography-wise, or custom bundles), improving upsell conversion.
Agent App Offline Mode Agents could complete full journeys—including verification and mandate uploads—even in low or zero network zones.
Intelligent Loan Preview Preview screens showed dynamic interest, tenure, insurance add-ons, and real-time sanction values based on customer profile.
Our Engagement Model
Sodel operated as a hybrid squad with Mahindra's internal teams — offering:
- Product Managers, Designers, Frontend and Backend Engineers
- Weekly demo cycles and monthly UATs
- Security reviews and documentation aligned with RBI guidelines
- Support through rollout and field training enablement
Why it worked?
This success came not just from building tech — but building it for India's real banking challenges. With deep fintech knowledge, on-ground empathy, and ownership mindset, Sodel delivered a solution that didn't just launch — it scaled and stuck.