Case Study · NBFC Lending
How Qualitrix Cut Regression Cycles by 40% for a Leading NBFC with Tricentis Tosca
An automated, CI/CD-integrated regression testing framework covering two-wheeler loans, home loans, and micro loans across mobile banking, internet banking, and UPI.
Results at a glance
- 40%Reduction in regression cycle time
- 0Defects escaped to production
- 300+Unattended regression cycles run
- 100%Validation coverage on home loans
The client is one of the largest non-banking financial companies (NBFCs) in India, serving millions of customers across lending and financial solutions. When the company set out to modernize regression testing across its multi-product lending business, it turned to Qualitrix and Tricentis Tosca to build a testing foundation that could match the speed and scale of its lending operations.
- ClientOne of the largest NBFCs in India
- Loan productsTwo-wheeler, home, and micro loans
- ChannelsMobile banking, internet banking, UPI
- PlatformTricentis Tosca, wired into CI/CD
01 / 04
The Challenge
The client offers two-wheeler, home, and micro loans. All three share one technology backbone of LOS/LMS, a Business Rule Engine, an Account Aggregator, a KYC layer, and a Core Banking System (CBS). Customers reach each product through mobile banking, internet banking, and UPI.
Shared core systems feeding multiple products and multiple channels made regression testing a persistent bottleneck. Every release carried the risk that a change made for one loan product could ripple into another simply because both relied on the same rule engine or the same KYC integration. Validating that risk manually, release after release, meant regression cycles consumed significant time and required hands-on effort from the testing team at every step.
- LOS/LMS
- Business Rule Engine
- Account Aggregator
- KYC
- Core Banking System
A change for one product could ripple into another
02 / 04
The Approach
Qualitrix partnered with the client to build an automated, scalable regression testing framework powered by Tricentis Tosca, covering the full lending ecosystem end to end.
Powered by Tricentis Tosca-
Full-stack coverage across the lending ecosystem
Qualitrix tested LOS/LMS, the Business Rule Engine, Account Aggregator, KYC, and CBS across all three product lines (two-wheeler loans, home loans, and micro loans). No system or product sat outside the regression net.
- LOS/LMS
- Business Rule Engine
- Account Aggregator
- KYC
- CBS
-
Scalable, CI/CD-integrated automation
Using no-code and low-code tooling in Tricentis Tosca, Qualitrix built reusable test scripts wired directly into the CI/CD pipeline, with reporting built in. That framework has since delivered more than 300 unattended regression cycles.
- Reusable test scripts
- CI/CD pipeline
- Built-in reporting
- 300+ unattended cycles
-
Multi-channel validation
Every loan journey was tested the way customers actually use it, through mobile banking, internet banking, and UPI, and across devices, so performance stayed consistent no matter which channel a customer chose.
- Mobile banking
- Internet banking
- UPI
- Across devices
-
Eliminating manual regression effort
For home loan scenarios alone, Qualitrix automated 41 test scenarios at 100% coverage, cutting regression time by 40% and catching 9 defects before they ever reached production.
- 41Test scenarios automated
- 100%Coverage
- 40%Less regression time
- 9Defects caught pre-production
03 / 04
The Results
The automation framework replaced a manual, effort-heavy regression process with one that runs continuously and catches issues before go-live.
- Regression cycles cut by 40%, with releases accelerated and zero manual handholding required across every loan product line.
- No defects escaped to production across KYC, CBS, Account Aggregator, and Business Rule Engine integrations, all validated clean at go-live.
- A consistent, defect-free experience delivered across mobile banking, internet banking, and UPI journeys, regardless of device or channel.
- 100% validation coverage on home loans and 94% on two-wheeler loans, meaning regression is no longer a bottleneck and the team is freed up for higher-value testing work.
Validation coverage by product
Key outcomes at a glance
| Metric | Result |
|---|---|
| Reduction in regression cycle time | 40% |
| Validation coverage on key lending workflows | 100% |
| Defects escaped to production | 0 |
| Unattended regression cycles delivered | 300+ |
Quality at scale. Confidence in every release.
04 / 04
The Bigger Picture
For an NBFC operating at this scale, regression testing runs with every release, so it has to be treated as core infrastructure. With Tricentis Tosca and Qualitrix's quality engineering practice in place, the client moved from a testing process bound by manual effort to one built for continuous, reliable releases across its entire lending ecosystem.
If your lending platform is still testing manually across a growing number of products and channels, Qualitrix can help you build the same kind of automated, CI/CD-integrated regression framework, without slowing down your release velocity. Get in touch with Qualitrix to talk through your quality engineering needs.