Krediq – Digital Invoice Financing & Lending Platform
Krediq is a fintech platform focused on collateral-free invoice financing and vendor financing for MSMEs. The platform enables businesses to unlock working capital through invoice discounting, reverse factoring, digital onboarding, credit assessment, loan management, and payment tracking. It leverages GST invoice data and trade relationships to provide faster access to credit.
Portfolio Summary (Resume Version)
Krediq – MSME Invoice Financing & Lending Platform
Developed and maintained a fintech lending platform that enables MSMEs to access collateral-free working capital through invoice financing, vendor financing, and receivable financing programs. Built scalable backend services for loan origination, credit assessment, workflow automation, repayment tracking, and financial operations. Designed secure and high-performance systems to support digital onboarding, invoice processing, lender workflows, and real-time business insights.
Key Contributions
- Developed RESTful APIs using Django, Django REST Framework, and FastAPI.
- Built loan origination and invoice financing workflows for MSME lending operations.
- Designed dynamic approval and underwriting workflows using configurable business rules.
- Implemented role-based access control (RBAC) and multi-tenant architecture.
- Developed repayment tracking, ledger management, and financial reporting modules.
- Integrated third-party services for KYC, authentication, email notifications, and payment processing.
- Optimized database performance through query tuning, caching, and asynchronous task processing.
- Implemented audit trails, activity logs, and security controls for financial data compliance.
- Built real-time notifications and monitoring systems for financing lifecycle events.