Term Loan Engine

Term lending rarely fits one formula. Different segments need different interest models, margins, moratorium behaviour and repayment cadences. Encoding each variation in application code turns every new product idea into an engineering project and makes schedule correctness hard to guarantee.

A configuration-driven term loan engine. Interest models, margins, moratoriums and repayment cadence are treated as parameters rather than code paths, so the engine generates a correct amortisation schedule for each configuration and the business can launch variants without a rewrite.

• Designed and developed the term loan product end to end.
• Built the schedule generation engine covering interest, margin and moratorium handling.
• Modelled ROI configuration so product variants are data, not new code paths.
• Implemented repayment allocation and outstanding-balance computation.
• Wrote the correctness checks that keep generated schedules consistent.

• Multiple interest models with configurable ROI
• Moratorium support with correct downstream schedule effects
• Margin handling applied per configuration
• Automated repayment schedule generation
• Repayment allocation across principal, interest and charges
• Product variants launched through configuration

• Python
• Django
• PostgreSQL
• Redis
• Celery

• Contributed to annual AUM reaching approximately ₹250 Cr
• New product variants launched via configuration rather than code changes
• Consistent, verifiable repayment schedules across products