Success Story
About the Client
The client is India’s largest loan and credit card marketplace, serving a customer base of over 20 million. Backed by a technology-driven platform and a network of 50+ partners across the lending ecosystem, the marketplace enables consumers to easily compare and choose the most suitable lending options.
Business Situation
Lending services on the mobile application contributed nearly 95% of the client’s business. To enhance their application and introduce better UI/UX and modern interfaces, the client sought diverse technology expertise to augment their existing development team.
The client selected Unthinkable as its team augmentation partner, engaging dedicated resources across multiple technologies to strengthen the mobile application. Following a rigorous interview process to assess technical expertise, specialists in ReactJS, React Native, NodeJS, and PHP were onboarded to work closely with the client’s internal team.
The key requirements were to:
Act as the client’s technology arm, supporting innovation across conceptualization, UI/UX design, development, and QA.
Implement major UI enhancements to improve usability and overall customer experience.
Optimize and enhance search results to ensure seamless and relevant user journeys.
Improve application speed and performance by strengthening the core architecture for scalability and robustness.
Support ongoing product evolution through continuous development, quality assurance, and maintenance.
The Solution
Team Unthinkable conducted a detailed application analysis to identify performance gaps and improvement opportunities. The team worked closely with the client’s in-house stakeholders to gather both technical and functional requirements for development.
This engagement allowed the loan and credit card marketplace to flexibly scale its team by augmenting it with additional technology resources as needed. Daily scrum meetings ensured clear communication around requirements, development progress, and application performance across both teams. To improve page speed, the team introduced optimizations that shifted selected backend capabilities to the frontend.
They also created modular workflows with dynamic fields across different modules. These practices accelerated workflow execution, improved application performance, and enhanced long-term code maintainability.
For the document collection system, which faced disruptions during the pandemic, Unthinkable implemented a JSON-based dynamic UI framework. The entire interface was driven through configurable JSON files that controlled document formats, file sizes, and upload sequencing. This approach enabled rapid updates and flexibility without requiring code changes.
For the credit card module, Unthinkable also revamped the consumer journeys with partner banks through page-level frontend optimizations. ReactJS developers managed dedicated JSON configurations for each bank, enabling automated, bank-specific workflows. This ensured a seamless, consistent consumer-to-bank credit card journey while improving performance, scalability, and maintainability.
For digital lending services, Unthinkable focused on enhancing the scalability of the modules, which were built on a microservices architecture. A standardized design pattern was created for each partner, ensuring that modifications or scaling of partner services could be implemented without starting from scratch. Since all services relied on APIs, dedicated folders with consistent naming conventions were used to store and manage APIs. This approach established a uniform structure across all partner integrations, promoting code reusability, readability, and maintainability while enabling faster onboarding of new partners and smoother scaling of existing services.
Additionally, resources were assigned to enhance the Android and iOS app home pages, determining which products to showcase, which offers to display based on a user’s credit score, and guiding users on improving credit through the Credit Assist feature. The mobile apps leveraged native languages (Objective C, Swift, Kotlin, Java) alongside React Native to deliver a seamless experience across platforms.
Continuous updates were applied across different modules of the digital platform to improve application performance. All frontend updates were managed without altering the underlying codebase, enabling faster iteration and significantly accelerating the speed and frequency of releasing revised app versions to the market.
The Impact
The client is highly confident in the results achieved, particularly the measurable gains in speed and overall performance driven by the dynamicity introduced at the UI level. By enabling dynamic updates to be handled entirely at the frontend, the solution ensured that the backend remained untouched, significantly improving code manageability and reducing development complexity.
This frontend-led approach allowed faster iterations, smoother enhancements, and greater stability across releases without disrupting core systems. The efficiency and scalability delivered through this implementation have reinforced the client’s trust in the partnership.
As a result, the engagement has successfully extended beyond two years, with both teams collaborating closely, aligning processes, and integrating seamlessly into each other’s workflows to deliver consistent, long-term value.
10+
Augmented Team Members
5+
Years Of Engagement
5x
faster release velocity
