Enabling scalable capital flow through technology

nPOS is our on-lending and co-lending technology platform, and an API-based co-lending stack enabling full lifecycle processing. It continued to serve as the core infrastructure for partner integration and co-lending execution, supporting both external partnerships and internal CLM programs. nPOS has capability to handle 15,000-20,000 days per day.

Over the years, this platform has evolved from a partner-led origination model into a full-stack retail credit engine. Today, it supports a diversified product suite across MSME loans, personal loans, vehicle finance, education and skilling loans, consumer finance and other emerging retail credit use cases. The model allows Northern Arc to combine partner-led reach with in-house credit assessment, transaction controls, portfolio monitoring and technology-led lifecycle management.

Nimbus is the Company’s Loan Management System (LMS) that powers its Credit Solutions business. Over the years, the platform has evolved into a comprehensive debt transaction platform, driving greater efficiency, compliance, and client engagement across the lending lifecycle. The platform has enabled credit of INR 2 Lakh Crore till date across 368 Originator Partners.

During the year, Nimbus was further enhanced through deeper integration across workflows, enabling seamless transaction structuring, risk management, exposure monitoring, and portfolio oversight. The platform also strengthened its ESG capabilities, supporting sustainability-linked financing and regulatory compliance.

By improving transparency, governance, and operational efficiency, Nimbus delivers a seamless experience from transaction origination to closure.

NuScore is an enterprise-grade Analytics-as-a-Service based solution for financial institutions. We use advanced analytics and machine learning to create intelligent scorecards and deliver deep insights, helping customers make faster, data-driven decisions across the entire credit lifecycle. NuScore was launched commercially for financial institutions in FY23, and has further adapted to the stress across multiple loan cycles. In FY26, NuScore handled more than 7 Lakh requests for loan assessment across multiple loan types.