Encore360 Blog

Insights on enterprise lending, fintech innovation, and digital transformation in the NBFC sector

Nov 20, 2025 • Strategy & Growth • 4 min read

Shadow Ledger: Why LSPs Need Their Own LMS

By Krishnakumar P

If you’re building a lending business as an LSP, relying entirely on your NBFC partner’s systems limits scale, insight, and control. We explain why a Shadow LMS is essential for performance, analytics, and long-term independence.

Nov 10, 2025 • Product Updates • 4 min read

Stop Managing Structured Debt on Spreadsheets: Why NBFCs Need an LMS Built for Complexity

By Srinivas Thonse

From Clean-Down clauses to Co-Lending splits, structured NBFC products break generic software. Here’s why corporate lenders need an LMS that understands RCFs, Bullet Repayments, and PIK Interest.

Oct 15, 2025 • Operations & Finance • 4 min read

The Post Go-Live Slump: Why LMS Stability Matters More After Go-Live

By Ridhuvarshini M

Go-live is not the finish line. When LMS vendors fall short on post-implementation support, NBFCs face operational and compliance risk. Here’s how to recognize the warning signs—and what to do next.

Sep 10, 2025 • Operations & Finance • 5 min read

Reversals, Back-Value Dating, and Audit Trails: The Real Test of an NBFC LMS

By Srinivas Thonse

Most LMS platforms fail when corrections are required. We explain why robust Reversals, Back-Value Dating, and Audit Trails are critical for NBFC compliance, IRAC norms, and avoiding the 'Shadow Ledger'.

Aug 25, 2025 • Strategy & Growth • 4 min read

The 4-Day Launch: Why Your LMS Should Be a Product Factory, Not Just a Ledger

By Srinivas Thonse

When launching a new loan product takes months instead of days, the problem isn’t strategy — it’s architecture. We explain how a configurable, vertical-agnostic LMS turns product launches from engineering projects into repeatable business operations.

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