System Requirements Document for noble-loan

1. Introduction

The noble-loan project aims to develop a micro SaaS platform for loan-document collection and verification, specifically designed for Non-Banking Financial Companies (NBFCs), Direct Selling Agents (DSAs), and loan agents. The platform addresses the common issue of incomplete document submissions by providing a comprehensive solution that includes document checklists, upload capabilities, Optical Character Recognition (OCR), missing-document detection, expiry reminders, application status updates, WhatsApp reminders, an agent dashboard, and a customer upload link. The goal is to streamline the document collection process, ensuring clarity and efficiency for both agents and customers.

2. System Overview

The noble-loan system provides a structured and efficient way for loan agents to manage document collection and verification. It offers a clear document checklist for customers, allowing them to upload necessary documents such as PAN, Aadhaar, and bank statements. The system uses OCR to detect missing documents and sends reminders for document expiry and application status updates via WhatsApp. An agent dashboard provides a centralized view of all applications, while a customer upload link facilitates easy document submission.

2a. Product Interpretation and Delivery Boundary

The noble-loan platform is delivered as a SaaS solution, accessible to NBFCs, DSAs, and loan agents. It does not function as a lending platform but focuses solely on document management. The system is designed to be intuitive and reliable, following the principles of functional clarity inspired by Dieter Rams. The platform's pricing model ranges from ₹2,000 to ₹25,000 per month, depending on the number of applications processed.

2b. Source Content Inventory

Not applicable as no content source directive was provided.

2c. Page Content and Component Coverage

Agent Dashboard

• Document Checklist Overview
  • Display of all applications with document status (e.g., PAN, Aadhaar, Bank statement, Salary slip, Photo).
  • Status indicators (✅ for complete, ❌ for missing).
• Application Management
  • Search and filter applications by status or customer name.
  • View detailed application status and document requirements.
• WhatsApp Reminder Management
  • Configure and send reminders for missing documents and application status updates.
• Expiry Reminder Setup
  • Set up and manage reminders for document expiry notifications.

Customer Upload Link

• Document Upload Interface
  • Secure upload portal for customers to submit required documents.
  • Support for PAN, Aadhaar, bank statements, salary slips, and photos.
• OCR and Document Verification
  • Automatic verification of uploaded documents using OCR.
  • Immediate feedback on document completeness.

3. Functional Requirements

• As a loan agent, I should be able to view a checklist of required documents for each application to ensure completeness. (explicit)
• As a customer, I should be able to upload documents such as PAN, Aadhaar, and bank statements through a secure link. (explicit)
• As a system, I should automatically detect missing documents and notify the customer via WhatsApp reminders. (explicit)
• As a loan agent, I should receive reminders for document expiry to ensure timely processing. (explicit)
• As a loan agent, I should be able to view and manage application statuses through a centralized dashboard. (explicit)

4. User Personas

• Loan Agent
  • Responsible for managing document collection and verification.
  • Uses the agent dashboard to track application statuses and send reminders.
• Customer
  • Responsible for uploading necessary documents through a secure link.
  • Receives notifications and reminders regarding document submission and application status.

5. Core User Flows

Loan Agent

1. Access the agent dashboard.
2. View the document checklist for each application.
3. Identify missing documents and send WhatsApp reminders to customers.
4. Set up expiry reminders for documents nearing expiration.
5. Monitor application statuses and update as necessary.

Customer

1. Receive a secure upload link via email or WhatsApp.
2. Upload required documents (PAN, Aadhaar, bank statement, salary slip, photo).
3. Receive confirmation of document receipt and status updates.
4. Respond to reminders for missing documents or additional requirements.

6. Visuals Colors and Theme

• Muse: Dieter Rams
• Palette:
  • Background: #F9F9F9
  • Surface: #FFFFFF
  • Text: #333333
  • Primary: #FF6F31
  • Accent: #005F6B
  • Muted: #B0B0B0
• Typography:
  • Headings: Archivo — Medium weights, small caps for labels
  • Body: Work Sans
  • Scale: 1.25 modular (48/32/24/18/14)
• Shape Language: Rounded-rectangle controls, aligned label/value pairs
• Layout: Modular grid with strict alignment

7. Signature Design Concept

The entry page will feature a hero section showcasing a document checklist with status indicators. Rounded rectangle cards will represent each document type with clear status icons. Small caps will be used for document labels, creating a systematic feel. Orange accent highlights will be used for call-to-actions and alerts, ensuring clarity and order.

8. Interaction Model & Motion Direction

• Interaction Model: Static
• Motion Tempo: Restrained
• Hero Dimensionality: Flat
• Landing Hero Motion Brief: The hero section will focus on a document checklist with status indicators. The transformation will involve updating document statuses and sending reminders, using a restrained motion vocabulary. The first frame will show a complete checklist with missing document highlights, and a reduced-motion state will be available for accessibility.

9. Non-Functional Requirements

• The system must support high availability and handle concurrent user access without performance degradation. (source-backed)
• Data security and privacy must comply with relevant regulations, ensuring secure document handling and storage. (source-backed)

10. Tech Stack

• Frontend: React
• Backend: Python/FastAPI
• OCR: Tesseract
• Messaging: Twilio API for WhatsApp reminders
• Storage: AWS S3 for document storage
• Deployment: Docker, Kubernetes for container orchestration

11. Assumptions and Constraints

• The system assumes customers have access to the internet and can upload documents electronically.
• The platform is constrained to document management and does not include loan processing capabilities.

12. Glossary

• NBFC: Non-Banking Financial Company
• DSA: Direct Selling Agent
• OCR: Optical Character Recognition
• SaaS: Software as a Service