13. Implementation backlog

Epics

Epic	File
1. Identity and access	13.1
2. Borrower onboarding	13.2
3. KYB / KYC	13.3
4. Application	13.4
5. Data ingestion	13.5
6. Underwriting	13.6
7. Offer / sanction	13.7
8. Documentation	13.8
9. Disbursement	13.9
10. LMS	13.10
11. Collections	13.11
12. Co-lending	13.12
13. Partner portal	13.13
14. DSA / CA portal	13.14
15. Reporting	13.15
16. Compliance	13.16
17. Accounting	13.17
18. Vendor integrations	13.18
19. Analytics	13.19
20. Security	13.20
21. Audit	13.21

Format per epic

• User stories (3 – 8 representative; full library lives in the actual sprint planning tool).
• API requirements (key endpoints).
• Data model requirements (key tables / events).
• UI screens (key screens).
• Backend services (which module).
• External integrations (vendor list).
• Test cases (representative).
• Edge cases (top 5 – 10).
• Acceptance criteria (when done).

Sizing

These epics are scoped as multi-sprint efforts, not single sprints. Each epic represents 4 – 16 weeks of engineering depending on team size and phase.