A co-development partnership for finance & fintech operations leaders

Tell us what would transform your finance operation. We'll build it — at our cost.

You set the requirements for your lending, payments and BFSI back-office floor. We build the AI-native platform around it and you run it free in production for six months. No cost, no obligation — if it works, you get founding-customer terms on what a comparable custom build would run ~₹50 lakh.

Free to run for six months — the kind of platform that's normally a major build.

The number that moves everything

Cost-to-process per case

Every reassignment, rework loop and QA rejection adds touches and minutes to a loan file, payment exception or KYC case — that handling cost, multiplied across volume, is where finance ops margin leaks.

Fewer
touches & rework loops per case
Faster
turnaround time (TAT) per case
Higher
throughput per processor per shift

Why us

You already know us as Time Champ

You already know us as Time Champ — the platform your floor runs for time-tracking and workforce monitoring. Turning that visibility into a production-grade operating system for finance ops — case allocation, four-eyes QA, real-time compliance monitoring, audit-ready evidence — is a full-time product discipline, not a side project. That build is our job, not yours. You bring the workflow knowledge of your lending, payments and BFSI floor and the regulatory bar you're held to; we bring the engineering to turn it into something your processors, QA leads and compliance team run every day. The platform isn't pre-built and resold — it's designed and built with you, around how your floor actually works.

The offer

An honest trade — no catch

Here's exactly what each side gets. We're not giving software away; we're building a product with a real operation, and you get the first and best of it.

What you get

  • The platform built to your workflows, at our cost
  • Six months of free use, live in production
  • Comparable to a ~₹50 lakh custom build
  • A 6–12 month lead before anyone else has it
  • Preferential founding-customer pricing
  • No obligation to continue

What we get

  • Deep domain knowledge from a real operation
  • A platform proven on a live floor
  • If it earns it — a reference for the market

What we'll build

One product, built around your floor

Not a phased wishlist — one platform, with every module your operation runs on, designed to your workflows. Here's what's inside it.

A note on AI. Wherever you see the AI tag below, it marks a specific job — reading a file, scoring an account, predicting an action. No buzzwords; each line says exactly what the model does, and modules that don't use AI don't carry the tag.

Click any module to see what it does.

Work allocation & case routing

Right case, right processor, right SLA
Skill-based assignment
Route cases by product, complexity, language and processor certification — not first-come pull.
SLA & TAT clocks
Per-case countdown against regulatory and client SLAs, with breach alerts before the deadline.
Priority & aging engine
Auto-escalate aged or high-value cases (e.g. high-ticket loans, frozen payments) to the top of the queue.
AIPredicts which in-flight cases are likely to breach SLA from current handling pace and queue depth, and reprioritizes before the breach.
Capacity-aware load balancing
Distribute volume across processors and shifts by live capacity and pending backlog.
Reassignment trail
Every hand-off logged with reason and timestamp for audit and root-cause on rework.
Value add: Replaces manual queue-grabbing and email hand-offs with skill- and SLA-aware routing, so no loan file, payment exception or KYC case ages past its clock.

QA audits & four-eyes review

Maker-checker QA that scales with volume
Maker-checker workflow
Enforce four-eyes review on disbursals, limit changes and high-value payments before release.
Risk-based sampling
Pull QA samples weighted by case value, processor, product and prior defect rate — not flat random.
AIScores each completed case for error likelihood and routes the riskiest files into the QA sample automatically.
Defect taxonomy & scorecards
Tag errors to a structured defect tree and roll up by processor, team and error type.
Rework loop tracking
Measure rejections, re-submissions and the touches each rework cycle adds to cost-to-process.
Calibration sessions
Compare QA-grader scoring on shared cases to keep audit standards consistent across reviewers.
Value add: Moves QA from a thin random sample to risk-weighted coverage, catching errors before disbursal, settlement or onboarding instead of in a downstream audit.

Compliance monitoring & audit trail

Audit-ready evidence, generated as work happens
Control checkpoint enforcement
Mandatory KYC/AML, sanctions and document checks gated into the workflow before a case can advance.
Immutable case audit log
Every action, approval and override captured with actor, timestamp and reason — tamper-evident.
Exception & override monitoring
Flag SLA breaches, skipped controls and manual overrides for compliance review.
AISurfaces anomalous patterns — unusual override frequency, off-hours high-value approvals, clustered exceptions — for investigation.
Regulatory pack export
One-click evidence packs (control coverage, exceptions, sign-offs) for RBI/internal audit and client reviews.
Policy version control
Tie each case to the SOP/policy version in force at the time it was processed.
Value add: Turns compliance from a quarter-end scramble into continuous, evidence-backed monitoring — so a regulator, auditor or client request is a query, not a project.

Performance management (PMS)

Throughput and quality on one scorecard
Per-processor scorecards
Cases closed, TAT, QA score and rework rate combined into one balanced view.
Goal & incentive tracking
Set throughput and quality targets per role and track attainment in real time.
Quality-weighted productivity
Count clean, first-pass cases — not raw volume inflated by rework.
Coaching & 1:1 log
Capture feedback, action items and improvement against prior QA defects.
Trend & outlier views
Spot sustained drops or top performers across teams, shifts and products.
Value add: Gives team leads a single, defensible view of productivity and quality per processor — so coaching and incentives are tied to evidence, not anecdote.

Security, access & credentials

Least-privilege access to core systems
Role-based access control
Scope every processor to the products, queues and actions their role permits — nothing more.
PII & account data masking
Field-level masking of account numbers, PANs and customer data by role and need-to-know.
Maker-checker on privileged actions
Dual approval for limit overrides, refunds and sensitive config changes.
Credential & access review
Periodic access recertification and de-provisioning on role change or exit.
Session & action logging
Tie every privileged action to a named user and session for forensic review.
Value add: Controls who can touch core banking, LOS/LMS and payment rails — and proves it — so access risk and orphaned credentials stop being audit findings.

Workforce intelligence & monitoring

Where the shift's hours actually go
Productive vs idle time
Split active case-handling time from idle and non-core activity across the shift.
Application & system usage
See time spent in core banking, LOS, spreadsheets and email per case type.
Handling-time analytics
Break down touch time, wait time and switch time that drive cost-to-process.
AIDetects process bottlenecks and high-friction case types from aggregate handling and tool-switch patterns.
Shift & queue heatmaps
Match staffing to intraday volume peaks in payments and onboarding queues.
Value add: Builds on the Time Champ monitoring you already run — turning activity signal into where handling time, idle time and tool-switching cost the floor minutes per case.

Learning, SOPs & certification

SOPs in the flow, certification on file
In-workflow SOP access
Surface the right procedure and policy at the step where the processor needs it.
Certification gating
Allow handling of a product or high-value tier only to certified, current processors.
Change & regulatory bulletins
Push policy/product changes with read-and-acknowledge tracking.
Onboarding ramp tracking
Measure new-hire time-to-competency against QA and throughput milestones.
Value add: Keeps processors current on changing products and regulations, and ties competency to who is allowed to handle which cases.

Attendance & shrinkage

Plan capacity against real availability
Attendance & shift adherence
Track login, breaks and adherence against roster for each shift.
Shrinkage analytics
Quantify breaks, training and aux time that reduce available case-handling capacity.
Capacity vs SLA planning
Forecast whether staffed capacity can clear queues within SLA at projected volume.
Leave & coverage view
See coverage gaps before they put SLA-bound queues at risk.
Value add: Connects rostered hours to actual case-handling capacity, so SLA planning is based on who's truly on the floor, not the schedule on paper.

How the six months works

From scope to decision, on a fixed cadence

1

Scope · weeks 1–2

You name the priorities; we lock the success criteria together.

2

Build · months 1–4

We engineer; you review on a fixed cadence with your SMEs.

3

Run · months 4–6

Live on your floor, measured against the criteria we agreed.

4

Decide · month 6

Continue on founding terms, or walk away owing nothing.

What we need from you: a named champion, a few SMEs, and honest feedback. That's the whole ask.

Your protections

The guardrails, in writing

You own your process IP

Your proprietary workflows stay yours and are never productised.

Clear licensing

We own the platform; you get free use through the pilot.

Your data stays yours

SOC 2 and ISO 27001-aligned data handling, with role-based access, field-level masking of PII/account data, and immutable audit logging across every workflow.

No obligation

If it doesn't earn its place, you walk away owing nothing.

A limited founding cohort

Apply to become a founding partner

We build at our own cost, so we take on only a few Finance & Fintech operators at a time — and we choose for fit, not first-come. This is an application, not a sign-up. Tell us about your operation and we'll see if there's a match.

A real operation

An operation with the scale and volume for the platform to move the numbers.

Leadership behind it

A named champion and a few SMEs who can shape what we build.

A problem worth solving

A clear place where time, cost or rework piles up today.

Appetite to co-design

You want to help build it, not just receive it.

1

Apply

Tell us about your operation, below.

2

Review & scoping call

We read every application and talk to those that fit.

3

Selected

We lock the scope together and start building.

Your application

About three minutes. The more specific you are, the easier it is for us to judge fit.

We read every application ourselves — it lands straight in our inbox.
Something went wrong sending your application. Please email us at sales@timechamp.io.

Application received.

We review each one personally. If your operation looks like a fit, we'll be in touch within two business days to set up a scoping call.