Micro-LAP digital lending product management
I’m Gurpreet Singh, Senior Product Manager at Capri Global Capital. I work on digital lending journeys for Micro-LAP, including loan origination, field assessment, credit and operational workflows.
What is Micro-LAP?
Micro-LAP (often shortened to MLAP) is a loan-against-property lending context focused on smaller-ticket borrowers and businesses. Product design has to connect borrower, income, business, property and credit information while supporting the controls required by lending teams.
The product challenge
Micro-LAP cases can involve field evidence and multiple decision makers. A digital journey therefore needs more than a customer-facing application form: it needs clear ownership across sales, field teams, credit, risk, technical/legal processes, operations and disbursement.
- Micro-LAP and secured MSME lending journeys
- Loan Origination System (LOS) workflows
- Personal Discussion and field assessment
- Income and property information capture
- Credit underwriting and deviations
- Maker-checker and approval controls
- KYC/AML, mandates and disbursement workflows
Field assessment with Athena
Athena supports Personal Discussion field work including questionnaires, business and collateral photographs, income-assessment inputs and property information. The objective is to make information useful to downstream credit and operations teams while reducing avoidable re-entry and clarification.
From field visit into the LOS
In GAIA, the loan origination journey continues through review, approvals and disbursement. I work on the handoffs and exception paths between teams, including policy rules, sendbacks and role-based controls. Public portfolio material intentionally excludes confidential customer data and internal control details.
Explore related lending work
See my Loan Origination System product management overview, the broader lending product management page, or my Senior Product Manager portfolio.