Intant loan approval

🎯 Business Goal

• Enable customers to apply, verify, get a decision, and disburse a small loan in <5 minutes.

• Fully digital → No branch visit, no paper.

• Use AI + credit bureau API + KYC + fraud checks.

🔑 High-Level Flow (Instant Loan Journey)

1. Customer -> Angular Lending App (Public Subnet)  
2. Submit Loan Request -> API Gateway -> AKS Loan Orchestration MS  
3. Event -> Kafka Topic: loan.initiated  

   a. KYC MS (Azure AKS, Private Subnet)  
      - Validate PAN/Aadhaar via UIDAI/CKYC APIs  
      - Push event: kyc.completed  

   b. Credit Score MS  
      - Call CIBIL/Experian API  
      - ML Risk Model (Azure ML / OpenAI Agent) for alternative scoring  
      - Push event: credit.score.generated  

   c. Fraud Detection MS  
      - Real-time rules + anomaly detection via Redis (cached rules)  
      - Push event: fraud.check.passed  

4. Loan Evaluation MS  
   - Consumes all 3 events (KYC, Credit, Fraud)  
   - Applies lending policy engine (OPA or Drools)  
   - Decision: approve/reject  
   - Push event: loan.evaluated  

5. Loan Agreement MS  
   - Generates e-Agreement (DocuSign / eSign API)  
   - Push event: agreement.signed  

6. Loan Disbursement MS  
   - Connects to Core Banking / Payment Gateway (UPI/IMPS/NEFT)  
   - Push event: loan.disbursed  

7. Notification MS  
   - Sends SMS/Email/App notification to customer  

End-to-End SLA: < 5 minutes

🏗️ Architecture Components

• Frontend (Public Subnet)

  • Angular Lending App

  • Azure Front Door + App Gateway + WAF

• Orchestration & Microservices (Private Subnet)

  • Loan Orchestration MS

  • KYC MS

  • Credit Score MS

  • Fraud Detection MS

  • Loan Evaluation MS

  • Loan Agreement MS

  • Loan Disbursement MS

  • Notification MS

• Data & AI

  • Azure Cosmos DB → Store application metadata

  • Azure SQL → Loan master / transactions

  • Azure Redis Cache → Caching credit bureau, fraud rules

  • Azure ML → Credit risk model

  • Azure Kafka / Confluent Kafka (enterprise-wide event backbone)

• Security & Compliance

  • Azure AD B2C (customer auth)

  • Azure Key Vault (secrets, API keys)

  • Azure Policy + Blueprint + OPA (governance)

  • Azure Monitor + Sentinel (SIEM + SOC)

• CI/CD (DevSecOps)

  • Azure DevOps Pipeline with:

    • SAST (Veracode, SonarQube) in Build

    • DAST (OWASP ZAP, Veracode DAST) in Pre-Prod

    • IaC scanning (Terraform + Checkov)

    • Automated deployments to AKS

📊 Text-Based Architecture Flow

[Customer Device]
     |
     v
[Angular App (Public Subnet)]
     |
     v
[Azure Front Door + WAF + App Gateway (Public Subnet)]
     |
     v
[Loan Orchestration Service on AKS (Private Subnet)]
     |
     v
[Kafka Topics (Enterprise Cluster)]
     |
     +--> [KYC Service -> CKYC/UIDAI API]
     +--> [Credit Score Service -> CIBIL/Experian + ML Scoring]
     +--> [Fraud Detection Service -> Redis Rules + Anomaly ML]
     |
     v
[Loan Evaluation Service -> OPA Policy Engine]
     |
     v
[Loan Agreement Service -> eSign API]
     |
     v
[Loan Disbursement Service -> Core Banking / UPI]
     |
     v
[Notification Service -> SMS/Email]
     |
     v
[Customer gets approval & funds in <5 mins]

⚡ Key Highlights for POC

• Event-driven (Kafka) → Parallel processing of KYC, Credit, Fraud → Fast decisioning.

• AI-assisted → ML model improves approval for new-to-credit customers.

• Cache-enabled (Redis) → Reduce API latency (credit bureau lookups, fraud rules).

• Cloud-native → Runs in AKS (scalable).

• Secure → Private subnet for sensitive workloads.

• Compliance-ready → Logging, audit trails, encryption.

👉 This POC can be demonstrated with ₹10K instant loan approvals (low risk, short tenure) to showcase speed & automation.