How a Leading Digital Lending Platform Scaled Credit-Linked Protection at High Velocity

Partner Snapshot

Industry                               Lending Tech / Short-Term Credit

User Base                         Millions of young, digital-first borrowers

Loan Type                           Ticket-size, short-tenure loans

‍Insurance Model             Embedded | Credit-Linked | Bundled

A fast-growing digital lending platform serving India’s underserved youth required a scalable way to embed protection into every loan disbursal, without slowing down credit flow.

The Challenge

High-frequency lending meets regulated protection module

• Loan volumes running at very high concurrency
• Insurance issuance needed to be real-time, not post-loan
• Pricing had to remain micro & proportional to ticket size
• Full regulatory compliance without adding ops overhead
• Future-proofing for multi-insurer scale

What the Platform Needed

High-frequency lending meets regulated protection module.

• Real-time policy issuance at scale
• Ultra-low latency APIs
• Flexible, ticket-based pricing logic
• Compliance-ready workflows
• Zero disruption to existing loan journeys

The Symbo Approach

Embedded insurance infrastructure built for velocity

• API-first integration embedded directly into loan checkout
• Real-time issuance engine aligned with loan disbursal events
• Dynamic premium logic mapped to loan amount slabs
• Compliance abstraction layer handled end-to-end by Symbo
• ‍Single integration, multi-insurer ready architecture