Digital lending
Eligibility, Aadhaar KYC, penny drop, e-mandate, lien marking, sanction letters, NESL agreements and disbursal.
Fintech & payments · Nitish Arora
Fintech development: lending, investing and payments
I lead engineering at Ark Neo Financial Services, where I built DhanLAP, the first in India to offer loans against mutual funds digitally, and WealthOS India. I know the regulated flows and the partner integrations that fintech products live or die on.
- 10+
- years
- 8
- products shipped
- 200+
- people led
- 21
- press features
What you get
What I'll do for you
Lender tools
Revoke and invoke modules so lenders can unpledge or sell pledged securities.
Video KYC
VCIP built into the onboarding flow.
Wealth and investing
Account Aggregator and MFCentral data, buy and sell suggestions, goal-based SIPs and credit insights.
Payments
Razorpay, Stripe, payouts, multi-currency wallets and reconciliation.
Integrations
CAMS, KFintech, NESL, MFU, Digio, Experian and bank partners over REST APIs and webhooks.
Proof
Products I've built that show it
My roleTechnical Lead
India's first digital platform for loans against mutual funds.
- 10,000+ loans
- 8 NBFC and bank partners
- Money in under 15 minutes
Featured in ThePrint · PR Newswire · Cafemutual
dhanlap.com ↗The complete borrower journey: fetching mutual funds and shares, eligibility, Aadhaar KYC, penny drop, e-mandate, lien marking, sanction letter, NESL loan agreement and disbursal, plus revoke and invoke for lenders and VCIP.
- Elixir
- Phoenix
- PostgreSQL
- AWS
- React Native
- Flutter
My roleTechnical Lead
Your whole financial life in one place.
- 6 asset types unified
- Credit insights
- Goal tracking
Credit report with loan payoff insights, every investment via Account Aggregator and MFCentral, buying funds, gold, bonds and insurance, buy and sell suggestions, and goal-based SIPs tracked against target.
- Elixir
- Phoenix
- PostgreSQL
- AWS
- React Native Web
My roleTech consultant, built end to end
Retirement bucket strategy tool for US financial advisors.
- 8 calculators
- Built end to end
- PDF and Excel reports
Featured in Kitces AdvisorTech Map
cherishbuckets.com ↗The whole product, including all 8 calculators and their logic: legacy, corpus required, maximum spending, safety and income levels, working years and reverse-mortgage income, plus reports, embeds and client logins.
- Expo
- React Native Web
- Django
- AWS EC2
- S3
- SES
- SNS
- PostHog
In the press
Featured in 21 outlets
- ForbesMissPoppins
- EntrepreneurMissPoppins on Elevator Pitch
- The Times of IndiaSleepDoc+
- ThePrintDhanLAP launch
- PR NewswireDhanLAP launch
- NDTV EducationSleepDoc+
- Accenture NewsroomSleepDoc+ grand prize
- Kitces AdvisorTech MapCherishBuckets
- ParentsMissPoppins
- MotherlyMissPoppins
- The TribuneSleepDoc+
- CafemutualDhanLAP
FAQ
Common questions
Have you built regulated lending products?
Yes. DhanLAP's complete loan journey, from fetching holdings to disbursal, with 8 NBFC and banking partners and 10,000+ loans.
Do you work on fintech outside India?
Yes. CherishBuckets is a retirement planning tool for US financial advisors, featured on the Kitces AdvisorTech Map.
Other services: