How Vontech Helped Lendsqr Build a High-Accuracy, Scalable Loan Scoring System — Without Breaking the Bank
At Vontech, we live and breathe cloud-native innovation. When Lendsqr—one of Nigeria’s most promising fintech platforms—came to us with a challenge, we knew it was a perfect match.
Lendsqr is on a mission to democratize access to credit for small and medium-sized lenders. They provide everything a lender needs—from onboarding to disbursement to collections—without requiring heavy infrastructure or massive upfront costs.
But as their user base grew, so did their need for smarter, faster, and more cost-effective decision-making in loan approvals.
The Challenge
Balancing Cost, Accuracy & Scale
Lendsqr needed a modern loan scoring engine that could:
- Deliver decisions in real time.
- Plug directly into their existing AWS infrastructure.
- Scale seamlessly with increasing demand.
- Minimize infrastructure and operational costs.
- Provide high scoring accuracy to reduce default risk.
The challenge wasn’t just technical—it was also strategic. They wanted a system that wouldn’t slow them down, require a full data science team to maintain, or demand costly infrastructure upgrades.
The Solution
Cloud-Native, Serverless, and Fully Integrated
Vontech got to work designing a solution that was simple, efficient, and cloud-native from the ground up.
Step 1: Architecture Built for Agility
We began by designing a minimalist architecture that could be implemented and tested quickly. The scoring logic was containerized and trained using existing loan application data to ensure it reflected Lendsqr’s unique borrower profiles.
We intentionally kept it modular, so updates to the model—or integration with new data sources—could be done without major system overhauls.
Step 2: Seamless AWS Integration
Lendsqr was already operating in AWS, so we ensured our solution integrated natively with:
- Amazon CloudWatch for monitoring and alerting.
- Amazon S3 for storing model artifacts and logs.
- API Gateway + AWS Lambda for exposing the scoring engine to front-end and backend services.
- IAM (Identity and Access Management) for secure, role-based access.
This meant Lendsqr didn’t have to build or manage any new infrastructure. It all worked within their existing setup.
Step 3: Serverless Scoring with AWS Lambda
The core scoring logic was deployed on AWS Lambda, giving Lendsqr all the benefits of serverless computing:
- Automatic scaling — handles any load, from 10 to 10,000 scoring requests.
- Ultra-low latency — average response time < 1 second.
- No idle cost — only pays for what’s used, down to the millisecond.
It also made the system incredibly resilient and easy to manage—no worrying about provisioning servers or managing scaling logic
Results
The new scoring engine was deployed and went live in under 6 weeks. Here’s what Lendsqr gained:
- Lightning-Fast Scoring
Sub-second decision times, even during peak usage hours. - Over 40% Cost Reduction
Compared to their previous manual scoring process and batch infrastructure setup. - Smarter Lending Decisions
More accurate scoring led to fewer defaults and increased confidence from lending partners. - Effortless Scalability
No re-architecture needed as user demand increased. The system scaled itself, on demand.
Model Flexibility
New features or model updates can be deployed with zero downtime and minimal DevOps effort.
Client Testimonial
- “Partnering with Vontech was one of the best infrastructure decisions we’ve made. They didn’t just build us a scoring engine—they helped us future-proof our lending operations. The system is fast, scalable, and incredibly cost-effective.” — Senior Engineering Manager, Lendsqr
Collaboration That Delivered
What made this project successful wasn’t just the tech—it was the collaboration. Vontech’s engineering team worked closely with Lendsqr from start to finish, conducting:
- Regular syncs with product managers and engineers.
- Joint test cycles to simulate real-world loan applications.
- Knowledge transfer sessions to help Lendsqr’s team maintain and expand the system internally
Final Thoughts
This project is a perfect example of how cloud-native solutions can deliver outsized impact when built with the right strategy. Lendsqr now has a smarter, leaner, and more reliable scoring engine powering its growth—and we’re proud to be part of that journey.
Whether you’re a fintech startup or an enterprise looking to modernize your workflows, Vontech brings the technical depth, agility, and partnership spirit to make it happen.
Want to Build Smarter, Scalable Cloud Systems Like This?
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