gives you live visibility across the entire portfolio.
Know moreCO-LENDING
Lending together.
Reaching further.
A technology-enabled co-lending partner for
banks and NBFCs
Expand your retail and priority-sector lending through
strong origination, disciplined underwriting and
transparent portfolio management.
The Opportunity
Banks and NBFCs often have the capital
and risk appetite to serve growing borrower
segments, but face challenges in customer
acquisition, last-mile execution and servicing
smaller loans across geographies.
Oroboro helps close that gap.
OROBORO EXECUTION LAYER
Oroboro
-
Origination
Deep distribution
and local insights -
Verification
Digital KYC and
document checks -
Credit Assessment
Data-driven underwriting
and decisioning -
Documentation
Digital documentation
and agreements -
Disbursement
Automated disbursement
with full compliance -
Servicing
Loan servicing and
customer support -
Collections
Structured collections
and early-stage
interventions
Why Partner with us?
01
Reach New Borrowers
Access new borrower segments that are difficult or expensive to reach through traditional channels.
02
Expand Geographic Reach
Expand geographic reach through our distribution network and local understanding.
03
Improve Acquisition Efficiency
Improve acquisition efficiency with digital onboarding built for smaller-ticket lending.
04
Share Risk Responsibly
Share risk through meaningful portfolio participation.
05
Retain Credit Control
Retain full credit control with jointly defined policies, limits and monitoring.
06
Complete Portfolio Transparency
Gain complete portfolio transparency through structured reporting and system integrations.
How the Partnership Works
A structured operating model designed to align credit, technology,
governance and portfolio performance.
-
Programme Design
We jointly define the target segment, product, geography, economics and portfolio objectives.
-
Technology Integration
Systems are connected through APIs or secure workflows covering applications, approvals, & reporting
-
Scale-Up
Volumes increase in stages after performance and compliance benchmarks are met.
- 01
- 02
- 03
- 04
- 05
- 06
-
Credit & Risk Alignment
Both partners agree on eligibility rules, underwriting standards, exposure limits and portfolio triggers.
-
Controlled Pilot
The programme begins with a focused pilot to validate sourcing quality, turnaround times and early repayment behaviour.
-
Continuous Governance
Regular reviews of portfolio performance, delinquencies, exceptions and policy updates.
Technology & Transparency
Our technology stack supports controlled scale and full lender visibility across the entire lending lifecycle.
supports lead and customer management throughout the lifecycle.
Know moreBANKS & NBFCS
Banks
NBFCs
- 01
API-enabled application exchange
- 02
Digital KYC & document workflows
- 03
Real-time loan status tracking
OROBORO TECHNOLOGY LAYER
Portfolio monitoring
& loan visibility
Lead & customer
lifecycle management
- 04
Portfolio dashboards & delinquency alerts
- 05
Detailed repayment & reconciliation reports
- 06
Audit trails & role-based access
Let’s build the next lending opportunity together
Whether you want to explore co-lending, technology licensing or a controlled pilot, we are ready to discuss.
Transwarranty Finance Limited
403 Regent Chambers
Nariman Point
Mumbai 400 021
India
Email
rajaram@oroboro.in