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Presentation — May 2026

Naman
Chopra

Full-Stack Developer  ·  NBFC Fintech Specialist  ·  Solo Builder

4
Products Built
11+
API Integrations
2.5×
Business Growth
100%
Solo Built
About Me
Who Am I?
💻

What I Do

  • Full-stack web development (Laravel / PHP)
  • Mobile app development (Flutter / Dart)
  • REST API design and backend architecture
  • Third-party fintech API integrations
  • Database design, optimization (MySQL)
🏦

Domain Expertise

  • NBFC lending platform end-to-end
  • Loan lifecycle: lead → KYC → credit → disbursal → collection
  • RBI-compliant eKYC, eSign, eNACH flows
  • Credit bureau integrations (CIBIL, Equifax, CRIF)
  • Payment gateway and bank API integrations
🔧

Technical Range

  • Backend: Laravel, PHP, MySQL, REST APIs
  • Frontend: Blade, HTML, CSS, JS, AJAX
  • Mobile: Flutter, Dart, WebView, FCM
  • Security: RBAC, JWT, OTP 2FA, IP whitelisting
🚀

How I Work

  • Take full ownership — from design to deployment
  • No agency, no team needed — solo delivery
  • Vendor research, negotiation, and onboarding
  • Build for production: secure, optimized, scalable
The Work
A Complete NBFC
Lending Ecosystem
🖥️

Loan Management CRM

Internal platform for Sales, Credit, Disbursal & Collection teams — 15+ modules covering every loan stage

Laravel · MySQL · Blade
🌐

Customer Web Portal

Self-service borrower portal — OTP login, KYC, eSign, eNACH, payment, NOC — all without human help

Laravel · Blade · Session Auth
⚙️

REST API Backend

Central API powering the mobile app and web portal — 50+ endpoints, JWT auth, webhook handling

Laravel API · Sanctum · OTP
📱

Flutter Mobile App

Full Android/iOS loan app — 30+ screens, DigiLocker, UPI QR, eSign, push notifications

Flutter · Dart · Firebase FCM
Product 1
Loan Management CRM
— Used daily by the entire NBFC operations team

🎯 Lead Management

  • 15 lead stages — Fresh, Callback, Interested, Rejected, DNC, Blacklisted…
  • Bulk CSV upload & UTM source tracking
  • Call history logs, date filters, lead search

🪪 KYC & Documents

  • DigiLocker — Aadhaar / PAN fetch
  • Selfie with face-match verification
  • Finbox & Digitap bank statement fetch
  • Per-document verify / unverify toggle

📊 Credit Underwriting

  • CIBIL, Equifax, CRIF bureau checks
  • Decision: Approved / Rejected / Hold
  • Direct eSign initiation from credit screen

🏦 Disbursal Module

  • Penny drop — live bank verification
  • DBS Bank IMPS real-time transfer
  • ICICI Bank disbursal support
  • Dual-level approval workflow

💰 Collection (DPD Buckets)

  • DPD: 0–7, 8–30, 31–60, 61–90, 90+ days
  • Part pay, settlement, payday payment
  • NOC & Settlement Letter generation
  • Auto agent allocation & WhatsApp nudges

📈 Reports & Automation

  • 12 MIS report types — export CSV/Excel
  • Cron: NACH reports, QR mail, SMS, PD allocation
  • IP whitelisting, OTP 2FA, RBAC, audit logs
  • Simple2Call IVR + incoming call popup
Products 2 & 4
Customer Journey —
Web Portal & Flutter Mobile App
🌐

Customer Web Portal

Self-service, zero human intervention
1
OTP Login — mobile number auth
2
Employment & personal details form
3
DigiLocker KYC — Aadhaar / PAN
4
Selfie upload with face-match
5
CIBIL check + Finbox bank statement
6
KFS review → Document upload
7
eSign → Penny drop → eNACH mandate
8
Payment page → NOC download
📱

Flutter Mobile App

Android & iOS — 30+ screens
1
OTP login & smart onboarding state detection
2
DigiLocker WebView — biometric KYC
3
Selfie capture & face-match
4
Finbox WebView — bank statement
5
eSign WebView + eNACH WebView
6
UPI QR code repayment screen
7
FCM push notifications (loan approval)
8
In-app chat, NOC download, re-loan
Product 3
REST API Backend
50+ Endpoints · JWT Auth · Central Hub for All Apps
POST
/send-otp, /verify-otp
OTP-based mobile login
POST
/insert-customer
Create new customer record
POST
/get-customer-flow
Determine current onboarding step
POST
/lead-employment, /lead-address
Submit employment & address
POST
/digilocker/generate-url
Generate DigiLocker KYC URL
GET
/digilocker/callback
OAuth callback, save KYC data
POST
/selfie-upload-face-match
Upload selfie + face-match API
POST
/crif, /ccr-report/Equifaxccr
CIBIL / Equifax credit bureau
POST
/finbox/session, /finbox/salary
Bank statement session + salary
POST
/upload/documents
KYC document upload
POST
/penny-drop/initiate
Live bank account verification
POST
/esignlink, /digio-generate-esign
Generate e-sign link
POST
/enach
Trigger eNACH mandate setup
POST
/generate-upi-qr
Generate UPI QR for repayment
POST
/pg/initiate, /payment/callback
Payment gateway + webhook
POST
/initiate-reloan, /create-reloan
Re-loan for repeat customers
POST
/save-fcm-token, /approve-loan
Push notifications setup
POST
/chat/init, /chat/message
In-app live chat system

🔐 Security Architecture

Laravel Sanctum JWT tokens + OTP-based authentication. Every endpoint is authenticated. Per-customer onboarding state management prevents replay attacks.

🔔 Webhook Handling

Handles real-time callbacks from DigiLocker, Digio, Digitap, Easebuzz, eNACH providers — all processed, validated, and stored with proper status updates.

📱 Mobile-First Design

Single API serves both the Flutter mobile app and the web portal. Consistent response format, error codes, and versioned flow logic across all consumers.

⚡ Performance

Efficient DB queries, smart caching, minimal redundant calls — server costs cut by 50% even as transaction volume more than doubled after launch.

Third-Party APIs
11+ Fintech Integrations
Every major API in the Indian NBFC stack — all integrated solo
🆔
DigiLocker
Govt. Aadhaar/PAN KYC via OAuth webview
✍️
Digio
Digital eSign with webhook callbacks
✍️
Digitap
eSign + bank statement extraction
🏦
Finbox
Bank statement analysis & salary assessment
📊
CIBIL / CRIF
TransUnion credit score & full report
📊
Equifax
Alternate credit bureau (CRR)
⚡
DBS Bank IMPS
Real-time fund transfer to borrower
🏛️
ICICI Bank
Alternate disbursal channel
💳
Easebuzz
Payment gateway + webhook callback
📲
WhatsApp API
Payment reminders, re-loan nudges
🔔
Firebase FCM
Push notifications for loan updates
📞
Simple2Call IVR
Auto-dialer + incoming call popup
Skills & Stack
Technologies I Work With

Backend

Laravel (PHP) PHP 8 Node.js Python MySQL REST API Design Laravel Sanctum Cron Jobs Webhooks

Frontend

React Blade Templates HTML5 / CSS3 JavaScript AJAX / jQuery Responsive Design

Mobile

Flutter Dart WebView Firebase FCM State Management Android & iOS

Security & Auth

JWT / Sanctum OTP 2FA RBAC IP Whitelisting Audit Logs

Fintech / Domain

eKYC / DigiLocker eSign / eNACH CIBIL / Equifax Bank IMPS Payment Gateway Penny Drop

Infrastructure & Tools

Linux Server Git Composer Postman MySQL Workbench VS Code
Results
Proven Business Impact
Numbers the platform delivered — in production, in 3 months
2.5×
Disbursal Growth
₹6 Cr → ₹15 Cr/month
▲ in 3 months
50%
Marketing Cost
Reduction
▼ same lead volume
⅓
Team Needed
to hit ₹15 Cr
▼ vs old headcount
85%
Re-loan Customer
Increase
▲ repeat borrowers
50%
Server Cost
Reduction
▼ optimized codebase
🚀

2.5× Revenue in 3 Months

Faster automation, smarter funnel — not more people or spend

🤖

Fully Automated Eligibility

CIBIL + income + face-match → instant Approve / Reject — zero human needed

🔒

Zero Security Incidents

IP whitelist, OTP 2FA, JWT, RBAC, audit logs — RBI-audit ready from day one

Why Me?
What Sets Me Apart
1

Full Ownership, No Hand-Holding

I designed, built, integrated, and deployed a complete 4-product fintech platform solo. No agency, no team, no dependency. I can take full technical ownership of your product from day one.

2

I Understand the Full Stack — Top to Bottom

From database schema to mobile UI, from API design to vendor negotiation — I understand every layer. There are no blind spots, no "that's not my job" moments.

3

I've Done It in Production — With Real Results

This isn't a side project. The platform is live, used daily, and delivered 2.5× business growth. Every integration is battle-tested. Every feature handles real edge cases.

4

Deep NBFC Domain Knowledge

I know the full lending lifecycle, RBI-compliant KYC flows, credit bureau quirks, DPD collection logic, NACH mandate rules — the domain knowledge that takes years to build.

One Line Summary
"I built an entire NBFC lending tech stack solo —
CRM, web portal, REST API & Flutter app —
that scaled a business from ₹6 Cr to ₹15 Cr/month in 3 months,
with ⅓ the team, half the cost, and 85% more re-loans.
I can own your full tech from day one."
View Full Portfolio Download Resume naman.chopra@sabkaloan.com
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