Project Title: Credit Cooperative Risk Exchange Platform (Patsanstha SaaS) Project Overview: We are building a Credit Cooperative Risk Exchange Platform for Patsanstha (Credit Cooperative Societies) in India. The goal is to create a shared borrower database + risk scoring system, similar to a mini CIBIL but designed specifically for closed cooperative networks. This will be a SaaS-based platform where multiple patsansthas can onboard, share loan/borrower data, and assess credit risk before approving loans. Key Objectives: Enable patsansthas to check borrower history across network Build a custom credit risk scoring system Maintain defaulter tracking system Provide secure and role-based access Scope of Work: 1. Admin & Multi-Tenant System Super Admin panel (platform owner) Patsanstha Admin panel Role-based access (collection agents, managers) 2. Borrower & Loan Management Borrower profile creation (KYC fields) Loan entry & repayment tracking Shared borrower history across network 3. Risk Engine Rule-based credit scoring system Defaulter flagging Risk categories (Low / Medium / High) 4. Dashboard & Reports Loan reports Risk analytics dashboard Defaulter reports 5. Security & Compliance Data encryption Secure APIs Basic compliance-ready architecture (India) Tech Requirements (Preferred): Backend: Node.js / Java (Spring Boot) Frontend: React.js Database: PostgreSQL / MongoDB Cloud: AWS / DigitalOcean Future Integrations (Optional Phase 2): UPI AutoPay / Payment Gateway (Razorpay / Cashfree) eMandate system Credit bureau API integration Developer Requirements: Experience in fintech / SaaS platforms Experience with secure data handling Portfolio of similar systems preferred Proposal Requirements: Similar projects (if any) Suggested tech stack Estimated timeline & cost Approach for building risk scoring system Note: This is a closed network platform, not a public credit bureau. Developers must ensure data privacy and scalability.