Credivo.
India's next-gen lending OS — BRE, Textract OCR, Bedrock risk, six-role console
Six role-scoped consoles — Borrower, Sales, Sanction, Disbursement, Collection, Admin
Bureau Risk Engine runs server-side with traceable rejection reasons
AWS Textract OCR + Bedrock (Claude 3 Haiku) risk summaries with DTI
Serverless-safe Mongo (cached promise, no buffering) + RBAC on every route
End-to-end lending operations platform with six role-scoped consoles. Borrowers register and run through a server-side Bureau Risk Engine (PAN format, age 23–50, salary ≥ ₹25k, employment mode) with real-time rejection reasoning, then upload salary slips to S3 where AWS Textract extracts name / PAN / gross & net salary. Sanction queue invokes AWS Bedrock (Claude 3 Haiku) to generate a DTI-aware risk summary and Low/Medium/High classification with a sanction recommendation. Disbursement issues PDFKit-generated sanction letters; Collection records UTR payments and auto-closes loans at zero balance. Every API route is gated by `authenticate + requireRole(...)` — UI hiding is never trusted. Frontend is Next.js 14 (App Router) with Framer Motion + Recharts; backend is Express 4 + TypeScript on serverless Vercel with a cached-promise Mongoose connection (`bufferCommands: false`) so cold starts never hang.
