Transforming Lending for Godrej Capital:
A Cloud-Driven Digital Journey on AWS
Client Profile
Godrej Capital, the financial services arm of the Godrej Group (formerly Godrej Housing Finance Limited), embarked on a bold mission to disrupt the traditionally paper-driven lending industry with a fully digital, customer-first approach. Partnering with Flentas Technologies from inception, the company built a secure, scalable, and future-ready lending platform on Amazon Web Services (AWS). The collaboration enabled Godrej Capital to launch quickly, expand seamlessly, and deliver uninterrupted services while adapting to evolving customer and business needs.Key Requirement
Godrej Capital was looking for a technology partner to help them build an end-to-end digital journey for customers to ease out the loan application process, which is otherwise very tedious and time-consuming. To digitize the entire journey from basic information gathering to evaluating financial standing along with KYC processes, many third-party tools needed to be integrated to complete the loan application process within 15-20 minutes. Since Godrej Capital wanted to go to market with a digital-first strategy, this requirement attracted attention for the actual business launch and had to be delivered in alignment with stringent timelines.Major Challenges
Godrej Capital faced three critical challenges as it scaled:
Rapid Digital Enablement: At inception, the challenge was to design and launch an end-to-end digital home loan experience at speed, without compromising security or scalability. Scalability and Business Growth: As the company expanded into secured and unsecured business loans, the infrastructure had to support higher workloads and seamless customer journeys with uninterrupted operations. Database Storage & Performance Issues: With a rapidly growing data footprint, performance bottlenecks and rising storage costs became pressing concerns that needed optimization.
Solution
To address these challenges, Flentas designed a robust cloud-native architecture and implemented a comprehensive managed services framework:
1. Swift & Agile Development
Entire solution architected and built within ~4 months, enabling faster time-to-market. Serverless microservices with API Gateway & Lambda for modular scalability and rapid product rollouts.2. Seamless Integrations & Optimized Processes
Integrated with third-party tools for financial analysis, KYC verification, and internal applications to enable real-time loan eligibility checks. Rewrote query logic to improve fetch times and proactively optimized storage for faster performance.3. Reliable, Scalable & Cloud-Native Design
Architected for high availability and graceful scalability, ensuring uninterrupted loan processing and customer onboarding. Secure, compliant, and scalable document storage on Amazon S3 for critical customer and financial data.4. Modular API-Centric Architecture
Decoupled UI/UX from backend services to boost performance, flexibility, and maintainability.5. Security & Compliance
Implemented centralized VPN connectivity to restrict access to authorized groups. Ensured compliance with credit policies and regulatory standards while improving turnaround times.6. Observability & Governance
Used CloudWatch & CloudTrail for real-time monitoring, governance, and compliance tracking.7. 24/7 Managed Services Framework
Continuous monitoring, rapid incident response, and proactive performance optimization to maintain operational excellence.Business Impact
The transformation had a significant impact on business outcomes:
Achieved 99.99%+ uptime across critical systems, with zero downtime during launches and expansions.
Delivered a 100% paperless, real-time loan journey, significantly reducing turnaround time.
Seamlessly supported the rebranding to Godrej Capital and expansion into new financial products.
With proactive monitoring and <5-minute incident response times, the platform remained agile and resilient.
Database optimization curbed unnecessary storage growth in Amazon RDS, reducing operational overhead.
Positioned Godrej Capital as a tech-forward NBFC, fostering trust and driving strong digital adoption.
Conclusion:
By leveraging AWS cloud-native infrastructure and Flentas’ expertise in managed services, Godrej Capital successfully transformed into a digital-first financial services leader. From rapid product launches to continuous optimization, the platform has proven to be scalable, secure, and reliable. This partnership not only accelerated Godrej Capital’s market presence but also laid a strong foundation for sustainable growth, innovation, and customer-centric transformation in the financial services sector.
