How intellsys is Powering a Leading Housing Finance Company With AI-Driven Intelligence

The FinTech revolution has reshaped how consumers access credit, invest, and transact. Within this landscape, housing finance companies play a pivotal role in bridging credit gaps for millions of households. With India’s mortgage market alone projected to reach USD 857 billion by 2030, the opportunity is massive. Yet scaling in this sector comes with unique challenges: compliance-heavy operations, long onboarding cycles, and rising customer acquisition costs.

A leading housing finance company partnered with intellsys to overcome these hurdles. The company was grappling with fragmented data ecosystems, high drop-offs in KYC completion, and difficulty producing audit-ready compliance reports on time. With intellsys, they gained a unified lens into their performance, backed by real-time insights and actionable recommendations.

The Data Problem in Housing Finance

Unlike consumer FinTech apps that focus on instant payments, housing finance firms must deal with more complex customer journeys. Acquisition campaigns run across multiple platforms, from search ads to referral programs. Each applicant passes through multi-step funnels involving credit checks, KYC, document verification, and disbursement. Regulatory oversight adds another layer of complexity, requiring transparent reporting and airtight audit trails.

Industry data shows that nearly 40% of housing loan applicants drop out during the KYC or document submission phase. At the same time, customer acquisition costs for lending products have increased by 32% in the last three years, driven by intense competition from both banks and new-age lenders. Add to this the risks of fraudulent applications which are estimated to cost lenders over USD 6 billion annually worldwide - and the stakes are clear.

This housing finance leader needed more than siloed dashboards. They needed an intelligence engine that could not only unify their data but also diagnose why applicants were dropping off, surface fraud risks before they escalated, and simplify compliance reporting.

How intellsys Transformed Their Operations

Unifying Disconnected Data Ecosystems

The company was previously managing marketing and funnel data across Google, Meta, affiliate campaigns, and offline lead sources. Analysts spent weeks reconciling spreadsheets to get a consolidated view, slowing down leadership decisions. With intellsys, these data streams were unified into a single ecosystem.

The result was transformative: what once took two weeks of manual effort to prepare was now available within the same day. The company reduced reporting inefficiency by 82%, freeing analysts to focus on insights rather than reconciliation. Decision-making that previously lagged by weeks was now happening in real time.

Diagnosing KYC Drop-Offs

One of the most pressing challenges was applicant abandonment during KYC. Using intellsys funnel diagnostics, the company discovered that 27% of applicants were abandoning the process after uploading documents, primarily due to poor mobile optimisation and repeated re-verification requests.

The system also highlighted a key opportunity: applicants from tier-2 and tier-3 cities were 1.8 times more likely to complete onboarding when offered vernacular language support. Acting on these insights, the housing finance firm redesigned its onboarding flow, resulting in a 41% improvement in KYC completion within three months.

Compliance-Ready Reporting at Scale

For Finance firms, regulatory compliance is not optional. Auditors require detailed data trails on loan approvals, rejection patterns, and disbursement timelines. Previously, audit preparation took 10-12 days of manual collation, creating bottlenecks and stress.

intellsys automated compliance reporting, reducing audit preparation time to under 24 hours. The system also flagged anomalies in loan approval patterns that pointed to potentially fraudulent applications worth USD 1.4 million. By surfacing these risks early, the company not only protected its books but also improved regulator confidence, reducing compliance penalty risk by 46%.

Optimising Spend and Audience Targeting

Marketing spend was another area of inefficiency. Campaign budgets were spread across channels, but leadership had no clarity on which cohorts delivered high-LTV customers. intellsys identified that customers acquired through referral programs had 2.2× higher lifetime value compared to those acquired through paid social ads.

Guided by these insights, the company shifted 18% of its ad budget to referrals and high-intent search campaigns. Within two quarters, ROAS improved by 29%, while CAC dropped by 33%, creating a healthier growth funnel.

Fraud Detection Through Anomaly Alerts

Housing finance is highly vulnerable to fraud, from forged documents to synthetic identities. During deployment, intellsys detected unusual spikes in “failed repayment attempts” clustered in one region. Left unchecked, this could have resulted in USD 600,000 in bad loans. Early intervention allowed the company to strengthen verification protocols and block fraudulent accounts before disbursement.

The system also uncovered bot-driven application attempts that were inflating marketing performance metrics. Eliminating this noise provided a more accurate picture of true CAC and campaign efficiency.

The Results

By embedding intellsys into its operations, the housing finance company achieved significant, measurable impact:

• KYC Completion: Increased by 41%, reducing acquisition leakage.

• Customer Acquisition Costs: Fell by 33%, driven by smarter targeting and fraud filtering.

• Return on Ad Spend: Improved by 29% within six months.

• Decision-Making Speed: Accelerated by 64%, thanks to narrative analytics and real-time dashboards.

• Compliance Efficiency: Audit cycles reduced from nearly two weeks to less than one day.

• Fraud Prevention: Potential exposure worth USD 2 million avoided through anomaly alerts.

Why Housing Finance Leaders Choose intellsys

For housing finance companies, growth depends on balancing three non-negotiables: customer trust, compliance, and efficiency. intellsys provides the intelligence layer that makes this balance possible. It unifies cross-channel performance data, explains why funnel bottlenecks occur, generates compliance-ready reports, and surfaces fraud risks - all while delivering prescriptive recommendations that improve ROI.

In a sector where every percentage point of efficiency can mean millions in added revenue or saved costs, intellsys has emerged as the copilot of choice for housing finance innovators.