15.2 90-day execution plan

Days 1 – 30 — Foundations

Week 1

• Founders + leadership aligned on wedge (15.1).
• File NBFC-ICC application with RBI (COSMOS), OR sign LSP arrangement with partner NBFC.
• Appoint Compliance Officer + Company Secretary.
• Appoint external counsel.

Week 2

• Engineering lead hired; engineering plan signed off.
• Sponsor bank shortlist; first conversations.
• Vendor shortlist for top-3 in each integration category (KYC, BSA, AA, GST, eSign, NACH).
• Office / infrastructure setup.

Week 3

• Credit policy v0 drafted + reviewed.
• Product specification v0 — revolving WC line, ₹20 – 50 lakh, 60 – 180 days.
• Co-lending partner shortlist; first conversations.
• Risk policy v0 drafted.

Week 4

• Vendor negotiations underway; commercials draft.
• Sponsor bank shortlisted; account-opening kicked off.
• Engineering: tech stack decisions finalised; repo + CI/CD scaffolded; first user / role / RBAC service.
• Compliance: control mapping document started; calendar drafted.

Days 31 – 60 — Architecture and integrations

Week 5

• Architecture document approved by leadership.
• KYC + AA + BSA + GST + eSign + NACH vendor sandboxes obtained.
• Engineering: borrower / application / KYC data models live in dev.
• DSA / CA channel concepts validated with 3 – 5 early partners.

Week 6

• Engineering: KYC integration (PAN + Aadhaar offline + V-CIP) in dev.
• AA integration started.
• Sponsor bank account opening progressing; payout sandbox.
• Credit: deeper rule library; sample-scoring on historic data.

Week 7

• Engineering: GST + BSA integration in dev.
• Application UI MVP; happy-path borrower journey clickable.
• Compliance: KFS template draft; vernacular translation in progress.
• DSA / CA early partner onboarding signed.

Week 8

• Engineering: decision engine v0 with ~20 rules running on test data.
• eSign + eStamp + NACH integration in dev.
• Disbursement payout sandbox tested.
• LMS basics: schedule + accrual + classification in dev.

Days 61 – 90 — UAT and pre-launch

Week 9

• End-to-end test (e2e): synthetic borrower → KYC → ingestion → decision → docs → eSign → NACH → disbursement → LMS.
• Bug bash + remediation.
• Audit log integrity + RBAC verified.

Week 10

• Sponsor bank live; first test transfer in / out.
• Bureau integration: pull test + monthly submission file format ready.
• CKYC: upload / search test.
• Compliance: full pre-launch checklist; gap analysis.

Week 11

• Pen test (external).
• DR drill basics.
• KFS issued to a friendly test borrower; full flow live in lower env.
• Internal training: ops + credit + compliance.

Week 12

• First live disbursement to a friendly borrower (employee / known SME).
• Issues triaged; second friendly disbursement.
• Soft launch with 3 – 5 partner DSAs / CAs.
• Begin scaling cautiously: 5 – 10 real disbursements / week.

Outputs at Day 90

• Either CoR received or in active processing; or LSP arrangement live.
• Live platform end-to-end.
• ~10 – 30 real disbursements.
• All compliance baselines met.
• Vendor stack live.
• Team at ~15 – 22 people.
• Phase 1 (Lending MVP) ~50% complete; rest follows in months 4 – 6.

Hard discipline points

• Do not chase volume in the first 90 days. Quality matters more than count.
• Don’t skip compliance gates. The platform breaks audit if KFS / consent / NACH / disclosures slip.
• Don’t over-hire sales before underwriting + collections capacity is ready.
• Keep the wedge tight — one product, one segment, one channel mix.