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Core Benefits We Deliver

Through our cloud-based solution, we make the lending process simple and flexible for the targeted borrower segments of our clients, both on the demand and supply side - Banks, NBFCs, offline/online Aggregators, Marketplaces, Fintechs etc. We facilitate this by providing a network of digital “Loan ATMs” connected to an intelligent, flexible and user-driven “Decision & Disbursal Hub” at the backend. This digital ecosystem ensures a near-instant loan approval for retail and small business loans, at the Point of Sale/Origin.

Empowers Lenders as well as Originators with enhanced access to their target customer including under-served/unserved markets and segments through custom-configured digital/digitized loan products through app-based / browser-based, direct-borrower / sales-assisted journeys.

Enables originators to set up multi-lender ‘credit gateway’ hubs that allow them to offer a wide array of choice to their end customer.

Empowers organizations to set up user-configurable, quick-to-market Credit rules/scorecards to implement customized ‘micro-market’ credit policies, which can be continually optimized to cater to multiple segments on an ongoing basis.

Facilitates multiple user-configurable Sales / Credit / Operations workflows combining multiple elements, and invocation via rules without the need for IT resources - freedom from change requests!

Combine heterogeneous, conventional and alternate data including proprietary data, to help make more informed & empowered credit decisions.

Calibrate Straight Through Processing (STP) rate on an ongoing basis, tending to 100% at the Point of Sale / Origin

Empowers organizations with a future-proof solution that can easily cater to emerging market circumstances (viz. AA, OCEN, PCR etc).

Enables micro-modular adoption (API bundles) based on the pain area of a particular organization or use-case.

Empowers Lenders, Aggregators and Points of Purchase with enhanced access ,including under-served markets and unserved segments through app-based / browser - based, direct borrower / sales-assisted journeys.

Enables organizations to customize digital/digitized loan products & processes catering to their target customer segment/s.

Empowers organizations to set up user-configurable, quick-to-market Credit rules/scorecards to implement customized ‘micro-market’ credit policies, which can be continually optimized to cater to multiple segments on an ongoing basis.

Facilitates multiple user-configurable Sales / Credit / Operations workflows combining multiple elements, and invocation via rules without the need for IT resources - freedom from change requests!

Combine heterogeneous, conventional and alternate data, to help make more informed & empowered credit decisions.

Calibrate Straight Through Processing (STP) rate on an ongoing basis, tending to 100% at the Point of Sale / Origin

Empowers organizations with a future-proof solution that can easily cater to emerging market circumstances.

Enables micro-modular adoption (API bundles) based on the pain area of a particular organization or use-case.

Our Leadership Team

Dr. Ram Ramdas

Founder & Chief Evangelist

Dr. Ramdas harnesses technology-led innovation for solving large scale complex problems. Killing "complexity" with "simple" user-focused solutions with a potential for generating non-linear value, is the "mission possible" that drives him.

Rajesh Iyer

Co-founder & Chief Business Officer

Rajesh has held senior leadership positions whilst setting up & growing retail lending, wealth & other businesses for a number of global banks & NBFCs like HSBC, National Australia Bank, Barclays, Tata Finance, 20th Century Finance, etc. He possesses an innate ability to build & retain high-performance teams, solve complex problems & spot emerging trends.

Anusha Jathanna

Co-founder & Head-Solutions

Anusha is a founding employee-turned Founder who has led the development of the core digital lending hub platform. She has held multiple responsibilities for various products and solutions. Her biggest strength lies in product design & mapping customer requirements effectively to the product offering.

Rajesh Karuvat

EVP, Engineering & Technology

As EVP - Engineering & Technology, Rajesh is passionate about leveraging over 2½ decades of delivery management leadership experience across complex, multi-region technology projects with global majors like Societe Generale, Mphasis etc, to help set new standards in client delivery for a startup.

Our Extended Team

Wonderlend Hubs is a motley crew of designers, programmers, database experts & data analysts who are passionate about transforming the status quo & building the future of lending technology. While helping lenders and adjacent originator entities deliver significantly-heightened customer outcomes, and enabling them to build the future ‘one day at a time’, we also aspire to create future leaders who have the passion to transform the lending domain through innovative products and services.

Our Vision

Be the credit gateway that unifies seamless origination and aggregation of conventional & alternate data with dynamic assessment & decisioning for retail/small biz loans

Our Mission

Be the preferred provider for lenders as well as originators (aggregators, marketplaces, other fintechs etc) by making the lending process simple and flexible through our digital loan processing hub solution.

Guiding Principles

Passionate About
Solving Problems
Believe In Frugality And
Being Innovatively Brave
Custodians Of
Customer Interests
Continuous Improvement Through
Constructive Engagement
We Are Passionate About
Solving Problems
Believe In Frugality And
Being Innovatively Brave
Custodians Of
Customer Interests
Continuous Improvement Through
Constructive Engagement

Alliances

We have identified a set of partner providers and pre-integrated some of their solutions into
our aggregation hub. We will keep looking to add to this on an ongoing basis.

Connect with us

As a Group, we’ve been enabling technology-led transformation for leading players in BFSI since 2003 and helping them grow their business. We’d love to do it for you too!

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