For Lending Fintechs

Lending Fintechs

Run the same risk signal across underwriting, disbursement, and collection — and keep a clean OJK file while you scale loan volume 5×.

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Persona we built this for

Series-B digital lender · 300k loans/month · short-tenor consumer credit

Your underwriting model already has a feature store. The disbursement pipe has its own. The collection ops team manually flags suspicious repayments. Straventa lets the same KYC verdict, the same fraud features, and the same AML typology engine run across all three legs — so a customer that scored well at underwriting is the same customer all the way through to the last installment.

How this is built to behave

Scoring reach

Both legs

one feature store scores underwriting and disbursement, so a case flagged at payout is the same record you underwrote

OJK file prep

Consolidated

evidence is already assembled against the case, so preparing a file is an export rather than a collection exercise

Recon matching

Exact + fuzzy

±Rp 500 and ≤24h tolerance with per-merchant MDR deduction; whatever does not match becomes an aged exception, never a silent gap

These are product properties and design targets, not measured customer results. Where a figure is a target it says so. We will run the numbers against your own traffic before you commit to anything.

Pains we take off your desk

The four things your team is losing sleep over

Risk signal stops at approval

The model that scored the application doesn't see the disbursement or the repayment. Fraud actors learned that gap before you did.

AML on disbursements is manual

Disbursing IDR 50M to a fresh account at 02:00 should at minimum get a typology check. Today, it doesn't.

Recon between disbursement bank + ledger

Multi-bank disbursement plus internal ledger plus collection rails is a daily Excel pain.

OJK file readiness

Quarterly OJK reporting is a fire drill. Pulling consolidated KYC, FDS, AML, and recon evidence costs your compliance team a week.

Modules wired up

What runs in production for lending fintechs

KYC / KYB

Origination orchestrator — KTP, employment proof, scoring inputs

Fraud Detection

Scores application, disbursement, and repayment with one feature store

AML Monitoring

Typology + STR readiness on disbursement and high-volume repayments

Reconciliation

Matches disbursement → bank → ledger → collection

Typical rollout

From kick-off to production

Week 1

KYC cutover for new applicants

Plug the orchestrator in front of existing onboarding API.

Week 2–3

FDS + AML on disbursement

Wrap the disbursement service; shadow first, then primary.

Week 4

Reconciliation goes live

Bank, ledger, and collection rails reconciling daily — variance dashboard live.

Why this works for lending fintechs

Single feature store shared by underwriting, disbursement, and collection scoring

Disbursement-time AML check feeds STR-ready cases to your compliance queue

Multi-bank disbursement (BCA, Mandiri, BRI, BNI) reconciled into one ledger view

Ready to deploy this for your lending fintechs stack?

Bring your rails, controls, and deployment constraints. We will show where the platform fits and where it does not.

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