Pre-default Risk Intelligence
Lendscope
Catch defaulters 30 days early. Lendscope ingests behavioural, device, and network signals from your customer app, then scores every loan 0–100 for pre-default risk — long before DPD.
Highlights
5-minute SDK integration
Multi-tenant SaaS · live for Quikkred
- Reduce DPD90 by 25–40% within 6 months
- 30+ day collection lead time vs. competitors
- No new vendor relationships needed
- Multi-tenant — onboard lender partners in minutes
Features & Capabilities
Everything you need for lendscope.
[ 01 ]
Behavioural Risk Signals
10+ signals (engagement drop, geo drift, SIM swap, contact churn, betting apps, GPS spoofers) roll up into a 0–100 score with DPD multiplier.
[ 02 ]
Drop-in SDKs
@lendscope/web for Next.js/React, @lendscope/react-native for Expo. Tenant-scoped public keys; safe to ship in the customer bundle.
[ 03 ]
Tiered Early Warnings
Band escalates → Lendscope fires HMAC-signed webhooks (nudge / urgent / critical) into your stack. You keep your WhatsApp/SMS/email vendor accounts.
[ 04 ]
Customer 360 + Audit
Per-customer signal timeline, device list, recent activity. Tenant-scoped audit log captures every privileged action.
[ 05 ]
Privacy by Default
Phone numbers SHA-256 hashed on-device. SMS bodies parsed server-side then dropped. Installed-app lists categorised, raw list discarded.
Use Cases
How businesses use Lendscope.
Use case
Personal-loan NBFCs
Score each disbursed loan in real time. Trigger soft-touch nudges before a borrower drifts; escalate to collection only when needed.
Use case
Buy-now-pay-later
Spot competing-lender SMS bursts that predict re-borrowing cycles. Adjust limits before the second loan stacks.
Use case
Vehicle / consumer durable lenders
Detect SIM swaps, geo drift, and new-device-during-overdue — the strongest signals of imminent skip-payment.
Use case
Fintech LSP / DLA
White-label the risk layer. Sell smarter collections to your partner NBFCs without building scoring infra yourself.
Technical Specifications
Enterprise-grade infrastructure built for scale and security.
Signals10+ behavioural · device · network
SDKsWeb (Next.js/React) · React Native / Expo
AuthMagic link · password · API key
WebhooksHMAC-SHA256 signed
StorageTenant-isolated · IST quiet hours
PricingPer request · trial 100K free/mo
What it does
The capabilities this module ships with.
- 10+ pre-default risk signals
- 0–100 score per loan, recomputed live
- Engagement drop, SIM swap, geo drift, lender-app burst
- Drop-in web + React Native SDKs
- RBI-aligned · on-device phone hashing
- Webhook dispatch into your existing channels
Frequently Asked Questions
Common questions about Lendscope.
Bureaus tell you about credit history at application time. Lendscope tracks behaviour for the life of the loan — so we surface drift toward default 30+ days before the first missed EMI.
No. Phone numbers are SHA-256 hashed on the device. SMS bodies are parsed server-side into structured fields (sender, amount, category) and the original body is dropped after parsing.
No. Lendscope sends webhooks into your stack — you keep your existing vendor accounts. We only handle scoring + dispatch routing.
Yes. Ships as a Docker compose stack (Mongo + Redis + Fastify + workers + dashboard) plus Caddy for TLS. Point the SDK at a custom baseUrl.
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