Sanchita Sinha

Innovative Software Engineer with over 2.5 years of experience in designing, developing, and implementing software solutions. Proven track record in building scalable financial systems, capable of handling vast transaction volumes and complex business rules. Skilled in developing highly reliable and maintainable applications within distributed architectures. Adept at solving complex problems, collaborating with cross-functional teams, and contributing to high-stakes projects.

Loan Lifecycle Management Platform (Airtel Money, 2022-present)

• A loan platform with multiple Lending Partners onboarded across multiple countries in Africa that provide Term Loans, Overdraft Loans, Hedge Funds, Group Loans, Buy Now Pay Later to Airtel Money subscribers and agents.
• It has a built-in consent management system that gets, tracks, and manages user consent for data collection and use. It helps the business comply with data protection regulations and builds user trust.
• Manages user registration, KYC verification, and risk assessment. It also facilitates eligibility checks, credit scorings and provides real-time tracking of loan statuses and repayment schedules.
• Automates fund disbursement to user's AM wallets and handles manual repayments and auto-deductions from user wallets.
• Adapts to local regulations, interest rates, and tax policies and supports multi-currency transactions and country-specific lending rules.

Loan Integration Service (Airtel Money, Dec 2024-present)

• A management platform for multiple Loan Platforms including the in-house platform as well as various others.
• Standardizes loan application, approval, disbursement and other APIs across different downstream LLMPs as well as upstream channels.
• Implements authentication, encryption, and fraud detection mechanisms.

• Digital Citizen Award Winner H1'24 for identifying optimizations, preempting issues, and simplifying solutions which led to quality deliverables across the Lending business.