
How Kissht enhanced operational agility and strategic trust
Location: India
Industry: Fintech



Kissht’s journey to operational excellence
Kissht, a leading fintech in EMI-based lending, operates under SEBI and RBI regulations. To scale efficiently and ensure compliance, they adopted the Scrut Platform, enhancing their compliance framework and enabling agile, scalable growth.
- Centralized Compliance: Reduced partner onboarding time by 30%.
- Proactive Risk Management: Enabled real-time tracking of hundreds of risks.
- Training Automation: Achieved 89.1% compliance training completion.
- Audit Efficiency: Secured ISO 27001 and SOC 2 certifications in 30-35 days.

Why compliance was a business necessity
Kissht operates in a trust-driven market, where compliance is crucial to:
- Build trust by adhering to SEBI and RBI standards.
- Scale operations by streamlining compliance workflows.
- Safeguard reputation with SOC 2 and ISO 27001 alignment.
However, fragmented compliance processes and inefficient risk tracking posed significant challenges to their ability to meet these goals.
Key Opportunities
Partner onboarding efficiency: Manual compliance processes extended timelines for meeting partner requirements, impacting onboarding schedules.
Enhanced risk monitoring needs: Relying on spreadsheets for risk management limited real-time visibility and proactive mitigation efforts.
Scalable employee compliance: With 1,400 employees, ensuring timely and efficient compliance training posed operational challenges.
Audit preparation streamlining: Annual evidence uploads concentrated efforts near audit deadlines, creating resource constraints.

Proven ROI with Scrut:
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Scrut's contribution to Kissht's efficiency
Centralized policies for regulatory compliance
Scrut’s Policies Module provided Kissht with a structured repository to store and manage all compliance policies. This ensured they efficiently handled policy updates required for SEBI and RBI standards and reviewed them without duplication. The module’s built-in change tracking helped leadership align updates with organizational goals and reduced dependency on manual processes.

Optimized evidence uploads for faster audits
Through Scrut’s Evidence Management Module, Kissht transitioned to uploading evidence quarterly rather than annually. This distributed workload across the year, eliminating last-minute efforts before audits. Automated reminders ensured compliance teams stayed on schedule, enabling Kissht to achieve a 97% evidence upload rate much before an audit.

Risk tracking was made real-time and actionable
With Scrut’s Training Module integrated into Google Workspace, Kissht automated compliance training enrollment for all employees. The module tracked progress and completion rates, ensuring they consistently met regulatory requirements. Kissht achieved an 89.1% completion rate for mandatory compliance training, with features like automated tracking reducing manual monitoring efforts.

Risk tracking was made real-time and actionable
Kissht moved from Excel-based risk management to Scrut’s integrated Risk Management Module. The module allowed real-time tracking of hundreds of risks, offering visibility into emerging threats and enabling proactive mitigation. Customizable risk scoring supported Kissht’s prioritization strategies, allowing them to handle critical risks more effectively without relying on manual methods.
