Tartan Product Newsletter — June 2023
Hello there,
Welcome to our June 2023 product update! This month, we’re excited to share new capabilities that make credit decisioning faster, more intelligent, and frictionless for lenders—while keeping user consent and privacy at the core 🦾
From real-time credit insights to simplified employment history access, these updates are designed to reduce manual effort, improve approval accuracy, and enhance end-user experience across lending journeys.
Tartan’s API for CIBIL Pull
Streamlining Credit Assessment in Real Time
We’re introducing Tartan’s API solution for CIBIL Pull, built to give lenders effortless, consented access to credit reports and scores—without operational delays.
In under 30 seconds, lenders can retrieve a comprehensive view of a user’s creditworthiness, including credit history and risk signals, enabling faster and more confident lending decisions.
For users, the experience is just as seamless. They can instantly access their credit score and stay informed about their financial health, without complex processes or repeated follow-ups.
All data access is driven by a consented, privacy-first flow, ensuring transparency and regulatory alignment at every step.
Key benefits
Instant credit scores
Users and lenders get immediate visibility into credit health—no waiting, no batch delays.Stronger lender decision-making
Faster access to verified credit data improves underwriting accuracy and reduces turnaround times.Consented and compliant workflows
Built with privacy, transparency, and user consent as foundational principles.Fast, frictionless user experience
Minimal steps, clean flows, and reduced drop-offs during credit checks.
Together, these capabilities help lenders move faster without compromising trust or compliance.
Access Employment History for Better Credit Decisioning
Employment intelligence with just a mobile number
Employment stability is a critical input for credit risk—but traditional verification methods are slow, manual, and often dependent on OTP-heavy flows.
With soft-consented EPFO pulls, Tartan now enables lenders to fetch an applicant’s complete employment history using just a mobile number—no OTP interruptions, no additional friction.
This streamlined approach allows teams to access reliable employment signals early in the journey, improving both approval quality and customer experience.
What lenders can unlock
📌 Understand employability signals
Gain clarity on a user’s employment continuity and stability.
📌 Access past employment records
View historical employment data across multiple organizations.
📌 Track tenure across employers
Evaluate employment duration to strengthen income and risk assessments.
📌 Deliver platform delight
Fewer interruptions, faster decisions, and a smoother journey for applicants.
Why these updates matter
Credit decisioning today requires more than just data—it requires speed, context, and trust. By combining real-time credit insights with simplified employment intelligence, Tartan helps lenders:
Reduce manual verification overhead
Improve approval confidence
Shorten onboarding timelines
Deliver a better experience to end users
HRMS Sync: B2B Employee and Income Data from Payrolls
Tartan’s HRMS Sync offers a robust data standardization process that efficiently standardizes all essential P0 data points, including date of joining, employment type, designation, net pay, and over 60 other data points.
This simplifies data consumption and enhances analytics capabilities, allowing you to consume data of multiple Payrolls using our Unified HRMS/Payroll APIs.
😎 Expanded Reach with 14 Payrolls, Streamlined Data, Simplified Insights!
Making Fintech Space Delight - From our blog archives
Over 90% of transactions happen outside of banks.🎯
The significant shift toward digital channels has been a game-changer for operational efficiency in banking, contributing to the overall financial well-being of both institutions and their customers.
Verification APIs are leading the way in faster and more accurate assessments for loan approvals and financial services. 🚀
Setting Press Delight - The power of data-driven insights
Aligning Responsible Practices with Data-Driven Insights
Read our co-founder, Meet Semlani’s thoughts on how aligning responsible practices with data-driven insights, credit card companies can safeguard consumers and foster a culture of responsible card usage.🚀
