> ## Content Index > Fetch the complete content index at: https://research.finbox.in/llms.txt > Use this file to discover other available public pages before exploring further. # How IIFL Replaced Hard-Coded Rules with FinBox Sentinel to Move at the Speed of Risk - URL: https://research.finbox.in/case-studies/how-iifl-replaced-hard-coded-rules-with-finbox-sentinel-to-move-at-the-speed-of-risk/ - Published: 2026-08-13T10:42:08.000Z - Updated: 2026-08-13T10:42:08.000Z - Description: IIFL's digital lending arm swapped a slow, IT-dependent rules engine for Sentinel's no-code decisioning system, turning weeks-long policy changes into a task risk teams complete themselves in minutes. - Author: Mayank Jain - Tags: Case-study, #gated [ ](https://finbox.in/?ref=research.finbox.in) [Products](https://finbox.in/products?ref=research.finbox.in) [Solutions](https://finbox.in/solutions?ref=research.finbox.in) [Resources](https://finbox.in/resources?ref=research.finbox.in) [Company](https://finbox.in/company?ref=research.finbox.in) [Request Demo](https://finbox.in/demo?ref=research.finbox.in) Case Study # How IIFL Replaced Hard-Coded Rules with FinBox Sentinel to Move at the Speed of Risk IIFL's digital lending arm swapped a slow, IT-dependent rules engine for Sentinel's no-code decisioning system, turning weeks-long policy changes into a task risk teams complete themselves in minutes. Chief Risk Officers NBFC Leadership Credit Policy Teams Digital Lending Operations Risk Analytics Managers How IIFL Replaced Hard-Coded Rules with FinBox Sentinel to Move at the Speed of Risk Case Study ### How IIFL Replaced Hard-Coded Rules with FinBox Sentinel to Move at the Speed of Risk IIFL's digital lending arm swapped a slow, IT-dependent rules engine for Sentinel's no-code decisioning system, turning weeks-long policy changes into a task risk teams complete themselves in minutes. Download free No paywall. Email required to receive the file. 4 weeks → minutes IIFL's turnaround time for deploying policy changes dropped from roughly four weeks to a few minutes after moving to Sentinel. The challenge ## A multi-channel lender outgrowing its rules engine 01 ### Complex, multi-channel origination IIFL runs a multi-channel digital lending approach spanning proprietary apps, 40+ point-of-sale partners, and multiple DSAs, adding complexity to risk decisioning across channels. 02 ### IT-dependent, hard-coded rules IIFL previously relied on a hard-coded rules engine, which created heavy IT dependency and made rule changes slow and costly. 03 ### Blind spots in performance visibility Dashboard reports took up to 24 hours to generate, limiting the risk team's ability to track rule, policy, and partner-level performance in real time. Built for credit teams. No paywall, no sales follow-up unless you ask. Download case study Outcomes ## Measurable gains after adopting Sentinel Insight 01 ### 45% drop in fraud Fraud incidence reduced by 45% following the shift to Sentinel's risk intelligence and decisioning controls. Insight 02 ### 2X improvement in approvals Approvals improved by 2X while application review time decreased by 60%. Insight 03 ### 75% lower delinquency Delinquency rates reduced by 75%, alongside a 30% reduction in drop-offs during the application journey. Insight 04 ### 20% lower CAC Customer acquisition cost fell by 20%, with 60% of IIFL loans now digitally originated as the lender works toward $1bn in originations. How it was built ## How Sentinel changed the way IIFL manages risk Sentinel replaced code and spreadsheets with a centralised, no-code decision management system built for the pace and scale of digital lending. 01 **No-code Policy Studio**A graphical Policy Studio let risk teams model rules and policies using natural language, expressions, and matrices—removing dependency on developers. 02 **Excel-like familiarity**Sentinel incorporates Excel-like functions as template tags, easing the transition for risk teams already comfortable with spreadsheets. 03 **Role-based access control**RBAC enabled granular permissioning, giving IIFL accountability and efficiency across its risk hierarchy. 04 **Built-in testing and alerts**Testing and validation functions accompany each rule to prevent errors, while alerts act as an early-warning system for abnormal rejections or approvals. 05 **Canary deployment**IIFL could test new policies with new data-source predictors in live production without full-scale risk, even without historical data. 06 **On-demand dashboards**Instant dashboards replaced a previous 24-hour wait, giving rule-, policy-, and partner-level performance tracking and funnel analytics. Get exclusive access — free, no paywall. Download free In their own words ## In their words Why timely decisioning matters For lenders to have a fighting chance, the ability to make timely and well-informed decisions is critical. And this ability will remain elusive as long as code, spreadsheets, and data blind spots are involved. Rajat Deshpande CEO and Co-Founder, FinBox Choosing Sentinel Given the size and complexity of our digital lending operations, the transition from a hard-coded rules engine to a centralised system of rules management was inevitable. However, the real challenge lay in selecting the right decision management software from a market that is rapidly crowding. Yet, our choice was easy because Sentinel isn't another run-of-the-mill BPM software, it's a comprehensive lending system in itself. Mehekka Oberoi Director, IIFL Open Neobank Strategy, Chairman's Office (IIFL Group) ## See how Sentinel can transform your credit decisioning Get the full IIFL case study and learn how a no-code decision management system can cut turnaround time, reduce fraud, and scale digital lending. Get the case study © FinBox 2026\. All rights reserved. [Privacy](https://finbox.in/privacy?ref=research.finbox.in)· [finbox.in](https://finbox.in/?ref=research.finbox.in) Download the case study ### Download the case study Get "How IIFL Replaced Hard-Coded Rules with FinBox Sentinel to Move at the Speed of Risk" emailed to you. ×