Financial operationsLoan servicingSystem integrationWorkflow automation

MIFOS / Metalloid Capital

A permission-aware loan operations platform that turns Mifos/Fineract records into actionable collections, communication, reporting, and data-exchange workflows.

My role: Full-stack developer · Laravel APIs, Vue operations UI, lending workflows, access control, reporting, integrations, and technical documentation
Technology: Laravel
Vue.js
MySQL
Mifos/Fineract
Redis
Laravel Sanctum
PrimeVue
SFTP

The problem

Core lending records lived in Mifos/Fineract, but collections teams needed a focused operational layer for monitoring arrears, documenting follow-ups, assigning responsibility, escalating difficult accounts, communicating with borrowers and guarantors, and preparing partner or credit-reporting files. The challenge was to support those workflows without creating a second financial system of record or weakening access boundaries around sensitive loan data.

Architecture and decisions

I worked within a two-application architecture: a Vue 3 and PrimeVue SPA for the staff workspace, backed by a Laravel 10 API and relational operational store. Mifos/Fineract remains authoritative for clients, loans, installments, payments, charges, and accounting; the local application owns assignments, follow-ups, notification state, dashboard materialization, batch metadata, and support workflows. Sanctum bearer tokens, roles, permissions, work-status checks, and assignment-based scoping protect the API. Scheduled Laravel processes coordinate synchronization, reminders, notices, reports, and file delivery, while Redis supports selected cache and mailbox indexes and SFTP boundaries isolate CBS/EveryData and CRIF exchanges.

Key features

Synchronized and live views of clients, loans, installments, transactions, balances, documents, and loan history
Delinquency monitoring with arrears visibility, follow-up records, next-follow-up reminders, attachments, and combined timelines
Permission-aware officer assignment plus approval-based escalation to attorneys and external collection teams
Template-driven client, guarantor, and officer notifications with generated notices, statements, and collection documents
Snapshot-based CBS/EveryData and CRIF submission workflows with validation, packaging, metadata, and SFTP handoff
Operational dashboards, exception and collection reports, unified mailbox communication, activity history, and an error-support toolbox

Outcomes

01
Established a clear ownership boundary between authoritative Mifos financial records and the platform’s local operational workflow state.
02
Unified 7 operational concerns—portfolio monitoring, follow-ups, assignments, escalations, communications, reporting, and data exchange—in one permission-aware workspace.
03
Coordinated 5 integration surfaces—Mifos/Fineract, Redis, Zoho mail, CBS/EveryData, and CRIF—through explicit API, mailbox, cache, and SFTP boundaries.

Metrics are included only where they were measured or documented.

Inside the product

Interface highlights

Metalloid Capital dashboard with portfolio metrics, delinquency queues, follow-ups, and operational exceptions — A real-time command center turns portfolio risk, follow-ups, and exceptions into an actionable daily queue.

Metalloid delinquency workbench with loan filters, arrears context, and follow-up controls — A filterable delinquency workspace brings arrears, repayment context, escalation, and follow-up actions into one view.

Metalloid consolidated loan view with borrower details, balances, performance history, and actions — A consolidated loan view connects borrower context, balances, performance history, and operational actions.

Metalloid bulk loan operations with tagging, assignment, communication, synchronization, and export controls — Portfolio-wide controls support tagging, bulk assignment, communication, synchronization, and export.

Metalloid escalation approval workflow for reviewing and reassigning loan requests — Escalation requests make loan reassignment explicit, reviewable, and operationally controlled.

Metalloid CRIF batch workspace with upload toggle, generation control, status history, and downloads — The CRIF workflow packages validated subject and contract data into traceable submission batches.

Mifos loan account overview with balances, repayment history, schedules, transactions, and charges — The authoritative Mifos account view anchors balances, repayment history, schedules, transactions, delinquency, collateral, and charges.