Zentrive Lending Platform
Zentrive · Product Engineer · 2025
The Problem
Lenders and fintechs each rebuild the same loan origination, underwriting, and servicing stack from scratch, which is slow to launch and hard to run safely across multiple business entities.
My Approach
Designed and built a shared, multi-tenant lending platform that lets multiple business entities run fully branded loan programs on one codebase, with strict tenant isolation, permission-based RBAC, and financial-correctness guarantees.
System Architecture
- Multi-tenant NestJS API + worker with per-tenant data isolation and white-label branding
- End-to-end loan lifecycle: origination, KYC, underwriting, servicing, repayments, collections
- Permission-based RBAC enforced at both route and service layers with full audit trails
- Event-driven design with idempotent money operations and a DB-backed outbox pattern
- Four React/Vite frontends (customer, mobile, business admin, super admin) on a shared UI library
- Containerized CI/CD to Kubernetes with secret scanning, SAST, and image vulnerability gates
Outcomes
- Onboards new lending businesses without code changes (config-driven tenancy)
- Reduced new-tenant launch time from weeks to days via reusable origination + branding flows
- Hardened delivery pipeline with automated secret, SAST, and container security gates




