TFS - Toshika Financial Services
Tech Stack
- React Native
- Next.js
- PostgreSQL
- Redis
- AWS EC2
- JWT Auth
- Razorpay
- Twilio
- Firebase (FCM)
- TypeScript
About the Project
Built a comprehensive NBFC loan management platform that digitizes the entire loan process. The system tracks agents across multiple tiers, automates referrals, and handles everything from application to disbursement. Works seamlessly on both mobile and web.
Project Overview
Built a complete financial services platform that digitizes the entire loan lifecycle. The system tracks agents across multiple levels, calculates commissions automatically, and manages referrals seamlessly. We implemented KYC verification, credit scoring, and automated approval workflows while ensuring RBI compliance.
Focused heavily on scalability and security using AWS infrastructure. The mobile app works offline so agents can keep working even without internet, while the web admin panel gives comprehensive oversight of all operations.
Key Achievements
- Built React Native mobile app with offline sync for field agents
- Developed Next.js admin dashboard with real-time analytics and performance tracking
- Implemented multi-level agent hierarchy with automated commission calculations
- Integrated KYC verification and credit scoring systems for risk assessment
- Set up PostgreSQL database with Redis caching for high-performance data handling
- Implemented JWT authentication and end-to-end encryption for financial data
- Integrated Razorpay for payment processing and Twilio for SMS notifications
- Built automated approval workflows ensuring RBI compliance and audit trails
- Created real-time dashboards for agent performance and loan tracking
- Implemented Firebase Cloud Messaging for push notifications to agents and customers
Security was a top priority throughout development. All financial data is encrypted, and we built comprehensive audit trails to meet RBI compliance requirements. The platform handles sensitive information securely while maintaining fast performance.
Third-party integrations make the platform more powerful. Razorpay handles payments, Twilio sends SMS alerts, and Firebase delivers push notifications. Everything works together to create a smooth experience for both agents and customers.