The challenge
An NBFC was buying leads at high CPL with abysmal lead quality. Origination ops were drowning in unfit applicants.
All case studies
Financial Services
Loan-origination funnel for an NBFC
Pincode-aware loan-eligibility funnel cut origination drop-off 50% and lifted disbursal volume 38%.
5 monthsClient: NBFC · personal + business loans
−50%
Origination drop-off
days → 4 min
Pre-approval time
+38%
Disbursal volume lift
₹680 (acquisition)
Cost per disbursed loan
The transformation
Before vs After
BeforeWhere they started
- Bought leads at high CPL, low fit.
- Origination ops drowning.
- Document collection over email.
- Long pre-approval cycles.
AfterWhere Sphyx took them
💰
−50%
- Pincode + eligibility check upfront.
- Document upload via WhatsApp.
- Instant pre-approval via OCR + bureau.
- Disbursal volume up 38%.
Our approach
A sequential playbook — each step builds on the one before it.
1
Pincode-aware eligibility check upfront (no time wasted).
2
Document upload via WhatsApp.
3
OCR + bureau pull for instant pre-approval.
4
Underwriter dashboard with auto-priority queue.
Outcomes
Origination drop-off
−50%
Pre-approval time
days → 4 min
Disbursal volume lift
+38%
Cost per disbursed loan
₹680 (acquisition)