Scaling Real-Time Lending and Analytics for Vivriti Capital
Vivriti Capital· IndiaDatabricks SQL · Databricks Genie · AI/BI
Vivriti Capital, an Indian fintech NBFC providing structured debt solutions, migrated from Amazon Redshift and an internally built open-source data platform (Spark, Airflow, custom orchestration) to Databricks in an eight-week phased migration covering roughly 20 workflows and 50+ pipelines. Databricks SQL now powers analytics and regulatory reporting separated from transactional lending systems, with governed lakehouse tables providing built-in lineage and time-travel for RBI/SEBI audit requirements. Vivriti uses Databricks Genie for semantic search and conversational analytics, replacing an in-house text-to-SQL solution, and is building toward AI-assisted underwriting, automated credit checks, fraud detection and borrower de-duplication within real-time latency requirements. The company reports roughly 25-30% lower total cost of ownership and about 20% faster SQL performance after the migration.
Overview
Vivriti Capital, an Indian fintech NBFC providing structured debt solutions, migrated from Amazon Redshift and an internally built open-source data platform (Spark, Airflow, custom orchestration) to Databricks in an eight-week phased migration covering roughly 20 workflows and 50+ pipelines. Databricks SQL now powers analytics and regulatory reporting separated from transactional lending systems, with governed lakehouse tables providing built-in lineage and time-travel for RBI/SEBI audit requirements. Vivriti uses Databricks Genie for semantic search and conversational analytics, replacing an in-house text-to-SQL solution, and is building toward AI-assisted underwriting, automated credit checks, fraud detection and borrower de-duplication within real-time latency requirements. The company reports roughly 25-30% lower total cost of ownership and about 20% faster SQL performance after the migration.
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Inspect the highlighted sourceThe challenge
As Vivriti expanded its partner ecosystem and lending products, its legacy data architecture became a bottleneck. Pipeline failures delayed management and bureau reports, open-source dependencies introduced compliance risk, and engineers were frequently pulled into manual intervention to maintain SLAs.
The solution
Reported business value
Vivriti has seen total cost of ownership improvements of roughly 25-30% between platform and contract consolidation, reduced cloud and DevOps overhead, and roughly 20% faster SQL performance with almost no downtime.
Sources
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