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Easy Home Finance

A loan management platform for affordable housing finance, with CKYC and co-lending integrations, automated notifications, and a property intelligence layer for collateral.

45Weeks operated
4k+Hours of work
5Engineers

The brief

Enable Easy Home Finance to scale its technology infrastructure for affordable housing loan origination targeting low- and middle-income households in semi-urban/rural India — replacing or extending an existing system with regulatory integrations (CKYC, NESL, NHB), co-lending bank connectivity, and a property intelligence layer to assess collateral quality in underserved markets with thin data.

What we built

A comprehensive Loan Management System (LMS) and property intelligence platform for an affordable housing finance company. Core delivery:

  • Full-stack loan origination workflows including CKYC, NESL, Dedupe, Hunter API integrations; insurance (life/health/structural) modules; ITR/technical/PDD/OTC/NDC form suites; co-lending bank tagging (DCB, Bajaj); automated email/cron notification engine; multi-language PDF generation (Hindi, Telugu).
  • Production-grade AWS EKS infrastructure across 6+ microservices (easy-server-api, webhook, admin, smartloan, colending, cron) with Jenkins CI/CD, EFK observability stack, and Site24x7 APM.
  • A Python-based property intelligence platform: Maharashtra IGR property registration scraper (Playwright), OCR document extraction with LLM (Gemma3/FinBERT), geocoding pipeline (HERE + OpenCage), ArcGIS/QGIS multi-state cadastral layer management, Elasticsearch-backed geospatial search, Django dashboard, and image morphing fraud detection.
⊛ Live in production

Production EKS environment running easy-server-api, smartloan, webhook, admin, colending, and cron services. CKYC, NESL, Dedupe, Hunter integrations live. Insurance tabs (life, health, structural), ITR forms, PDD/OTC, NDC checklist, welcome letter generation, and multi-language PDFs deployed. ArcGIS property intelligence map with live GeoJSON layers from Elasticsearch. IGR scraping pipeline and OCR extraction operational on server. Site24x7 APM and EFK logging active across all namespaces.

How it was built, phase by phase.

8 workstreams across 45 weeks of operated delivery

  1. (001)BUILDWeek 1–3 (Sep 25 – Oct 11, 2024)

    Environment Setup & DevOps Onboarding

    Multi-week effort to stand up local dev environments across MySQL, MongoDB, Gradle, Java, and Linux. Included access provisioning, secret manager configuration, AWS CLI setup, and RDS/MongoDB connectivity.

    ✓ Full local dev environment operational; cloud credentials and database connections established for team of 5.

    MySQLMongoDBGradleJavaAWS CLIAWS Secret Manager
  2. (002)DEPLOYWeek 3–26 (Oct 14, 2024 – Apr 30, 2025)

    CI/CD Pipeline & Cloud Infrastructure (EKS)

    Comprehensive build of Jenkins-based CI/CD pipelines, Docker containerisation, AWS EKS cluster setup, VPC peering, ECR repositories, SonarQube integration, load balancers, and SSL certificate management.

    ✓ Production-grade multi-service EKS deployment with HPA scaling, EFS-backed storage, SSL termination, and automated CI/CD across 6+ repos.

    JenkinsDockerAWS EKSAWS ECRAWS VPCAWS ACM
  3. (003)INTEGRATEWeek 3–8 (Oct 11 – Nov 8, 2024)

    Banking Partner Integrations (DCB, Bajaj, Co-lending)

    Feature development for tagging loans with external co-lending bank identifiers (DCB Bank, Bajaj Bank), NHB report classification, and co-lending pipeline management.

    ✓ Loan records tagged with co-lending bank identifiers; NHB regulatory classification complete; co-lending pipelines deployed to production.

    JavaMySQLMongoDBREST APIsJenkins
  4. (004)INTEGRATEWeek 6–19 (Nov 5, 2024 – Feb 13, 2025)

    Loan Lifecycle Workflow Engine (CKYC, NESL, Dedupe, Hunter)

    Implementation of KYC/AML workflow integrations: CKYC (Central KYC Registry), NESL (National E-Governance Services Ltd for loan data reporting), Dedupe API, Hunter check API, and DPD (Days Past Due) cron jobs.

    ✓ CKYC, NESL, Dedupe and Hunter integrations live; DPD cron scheduler operational; NESL submissions verified on portal.

    JavaMySQLMongoDBREST APIsCron SchedulerAWS S3
  5. (005)STABILIZEWeek 7–27 (Nov 15, 2024 – Apr 15, 2025)

    Observability, Logging & APM Stack

    End-to-end observability built on EFK (Elasticsearch-Fluentd-Kibana) stack on EKS, Graylog sidecar exploration, SonarQube quality gates, Site24x7 APM integration, and log rotation/lifecycle management.

    ✓ Centralised log aggregation across all EKS namespaces; APM dashboards live on Site24x7; quality gates enforced on all PR pipelines.

    ElasticsearchFluentdKibanaEFKGraylogSonarQube
  6. (006)BUILDWeek 7–27 (Nov 8, 2024 – Mar 27, 2025)

    Automated Notifications & Cron Scheduler System

    Built a multi-trigger email notification engine covering Lead Done, Assign RM, Soft Lead Assign, ADR cron emails, and 90-day task reminders.

    ✓ Automated email notifications across 6+ business triggers; Mailgun relay configured; connection pool issue resolved in production.

    JavaMailgunCron SchedulerMySQLSMTP
  7. (007)BUILDWeek 7–31 (Nov 11, 2024 – Apr 30, 2025)

    Loan Application Forms & Document Management

    Continuous feature development on loan application forms: personal details, collateral/legal tab, ITR/balance sheet forms, technical property report, insurance (life, health, structural), OTC/PDD checklist.

    ✓ Complete loan origination form suite with insurance modals, ITR forms, multi-language PDFs, and document upload workflows.

    JavaMySQLMongoDBAWS S3JavaScriptREST APIs
  8. (008)BUILDWeek 16–27 (Jan 10 – Apr 11, 2025)

    Reporting & Analytics (ADR, Snapshot, LDR, Application Summary)

    Development of multiple operational and regulatory reports: Application Summary Report, ADR (Asset Disbursement Report) with employee codes, Snapshot Report reconciliation with LDR (Loan Detail Report).

    ✓ Snapshot/LDR reconciliation, tranche-level disbursement tracking, and employee-attributed ADR reports live in production.

    JavaMySQLMongoDBCron SchedulerAWS S3Excel

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