fb-pixel

Revived MSME Lending Efficiency Through Financial Process Streamlining

Financial Services by PBS
Financial Services by PBS

Client Profile

A mid-sized NBFC headquartered in Pune, Maharashtra, serving micro, small, and medium enterprises (MSMEs) with short-term working capital loans. The NBFC operates across tier-2 cities and had grown rapidly over three years but struggled with financial inefficiencies, default risk tracking, and compliance readiness.

Business Need

The client required:

  • A streamlined credit evaluation framework
  • Enhanced visibility into NPA trends
  • Automated reconciliation of disbursements and repayments
  • Better forecasting models for liquidity management

Challenges

  • Legacy accounting tools with inconsistent data mapping
  • Poor integration between loan management and financial tracking systems
  • Inaccurate forecasting due to manual projections
  • Difficulty in evaluating borrower creditworthiness beyond traditional scores

Solution by PBS

PBS deployed a tailored Financial Process Optimization solution:

  • Introduced a lightweight credit scoring model incorporating cash flow, seasonal risks, and alternate data.
  • Integrated Tally with a custom-built analytics dashboard using Zoho Analytics.
  • Implemented an Excel-based interim NPA tracker while building a long-term Power BI tool.
  • Designed a cash flow forecasting template, auto-fed by real-time repayment data.

Approach

Week 1-2: Process discovery, data architecture mapping, legacy tool analysis

Week 3-4: Dashboard wireframe creation, Tally export integration, alternate data framework creation

Week 5-6: Final dashboard deployment, forecasting simulation testing, training & handover

Technology/Tools Used

  • Tally ERP 9
  • Zoho Analytics
  • Microsoft Power BI
  • Google Sheets (Cash Flow Template)
  • Custom-built borrower credit score Excel model

Business Impact

Reduction in manual reporting time
Improvement in early NPA detection
Cut in reconciliation errors

Also,

  • Enabled data-backed lending decisions in under 5 minutes per case
  • Board presentation-ready MIS reports generated in real time

Start Your Financial Transformation with PBS

Whether you’re managing risk, improving compliance, or optimizing your finance ops — let our consultants show you how. Fill in the form and let’s talk.