Boosting Loan Applications Through Borrower Segmentation in India

The client provides digital wallet, lending, recharge and utility payments, e-commerce, insurance, and cash loan services to financially underserved customers in India. The platform enables fast disbursal of loans up to ₹1 lakh, with repayment tenures of up to six months.

As demand for short-term digital credit increased, the client sought to identify high-potential borrower segments, improve underwriting efficiency, and align loan offerings with customer expectations across pricing, service experience, and repayment behavior.