Purpose & System Overview
This document contains the complete set of User Stories for the Banking Loan Origination System (BLOS). It serves as the primary requirements reference for the development team, QA team, and product stakeholders throughout the Agile development lifecycle.
BLOS automates the end-to-end loan lifecycle — from customer registration and KYC through credit assessment, approval workflow, legal verification, disbursement, and repayment management. The system supports multiple user roles including applicants, loan officers, credit analysts, branch managers, and administrators.
User Stories Summary Table
| Story ID | Module | Title | Role | Priority | Points |
|---|
| US-001 | Module 1 | New Customer Registration | Applicant | High | 5 |
| US-002 | Module 1 | Aadhaar-Based eKYC | Applicant | High | 8 |
| US-003 | Module 1 | Document Upload for KYC | Applicant | High | 5 |
| US-004 | Module 1 | KYC Status Tracking | Applicant | Medium | 3 |
| US-005 | Module 2 | Loan Product Selection | Applicant | High | 3 |
| US-006 | Module 2 | Loan Application Submission | Applicant | High | 8 |
| US-007 | Module 2 | Co-Applicant Addition | Applicant | Medium | 5 |
| US-008 | Module 2 | EMI Calculator | Applicant | High | 3 |
| US-009 | Module 3 | Credit Bureau Score Check | Loan Officer | High | 8 |
| US-010 | Module 3 | Income & DTI Assessment | Credit Analyst | High | 5 |
| US-011 | Module 3 | Eligibility Calculation | Applicant | High | 5 |
| US-012 | Module 3 | Risk Scoring & Grade Assignment | Credit Analyst | High | 8 |
| US-013 | Module 4 | Application Assignment | Branch Manager | High | 3 |
| US-014 | Module 4 | Officer Review & Recommendation | Loan Officer | High | 5 |
| US-015 | Module 4 | Credit Committee Approval | Committee Member | High | 8 |
| US-016 | Module 4 | Sanction Letter Generation | Loan Officer | High | 5 |
| US-017 | Module 5 | Post-Sanction Document Checklist | Applicant | High | 3 |
| US-018 | Module 5 | Legal & Technical Verification | Legal Officer | High | 8 |
| US-019 | Module 5 | Loan Agreement E-Sign | Applicant | High | 8 |
| US-020 | Module 6 | Disbursement Request Initiation | Loan Officer | High | 5 |
| US-021 | Module 6 | Disbursement to Applicant Account | Applicant | High | 5 |
| US-022 | Module 6 | Partial Disbursement | Loan Officer | Medium | 8 |
| US-023 | Module 7 | EMI Schedule Generation | Applicant | High | 3 |
| US-024 | Module 7 | Auto-Debit / NACH Setup | Applicant | High | 5 |
| US-025 | Module 7 | Prepayment / Foreclosure Request | Applicant | Medium | 5 |
| US-026 | Module 8 | Application Status Notifications | Applicant | High | 3 |
| US-027 | Module 8 | EMI Due Date Reminders | Applicant | High | 3 |
| US-028 | Module 8 | Officer SLA Breach Alerts | Branch Manager | High | 3 |
| US-029 | Module 9 | Loan Application Dashboard | Branch Manager | High | 5 |
| US-030 | Module 9 | Loan Portfolio Report | Credit Manager | High | 5 |
| US-031 | Module 9 | Audit Trail Logging | Compliance Officer | High | 5 |
| US-032 | Module 10 | User Role & Permission Management | System Admin | High | 5 |
| US-033 | Module 10 | Interest Rate & Product Configuration | Product Admin | High | 5 |
| US-034 | Module 10 | Workflow Rule Configuration | System Admin | Medium | 8 |
Business Analyst
Manmathnath Mahanta
June 2025
✓ Approved
Product Management
Product Owner
Pending signature
Pending
Engineering
Tech Lead
Pending signature
Pending
Quality Assurance
QA Lead
Pending signature
Pending
— End of Document — USR-BANK-2025-001 v1.0 — CONFIDENTIAL —