Turn RBI, FSOC and other financial regulatory Compliances from a Quarterly Firefight into Always-On Infrastructure
NBFCs face a critical challenge: fragmented security tools create gaps that neither prevent breaches nor satisfy regulatory expectations. Cross Identity delivers cybersecurity as infrastructure—where identity governs access, privilege, cloud, and threat response as one unified system.
The NBFC Reality
Fragmentation is Your Biggest Vulnerability
Scattered Identity Controls
Authentication from one vendor, privileged access from another, manual governance processes, and minimal cloud oversight create operational blind spots that auditors notice first.
Audit Preparation Anxiety
Compliance evidence requires manual correlation across multiple systems, screenshots, log exports, and Excel reconciliation—an approach increasingly unacceptable to RBI.
Vendor & Cloud Exposure
Heavy reliance on DSAs (Direct selling Agents), collection partners, MSPs, and cloud platforms means identity risk multiplies faster than governance can keep pace.
Reactive Security Posture
When identity issues are detected, enforcement happens in silos. By the time privileged sessions are terminated or cloud permissions revoked, the damage is done.
What Changes with Infrastructure-First Security
One Identity Core, Zero Gaps
Unified Governance
Employee, vendor, and service account lifecycles managed from a single control plane—no sync delays, no reconciliation jobs.
Privilege Without Blind Spots
Privileged access and cloud entitlements governed together with continuous monitoring and automated enforcement.
Detection Meets Enforcement
Identity threats trigger immediate, automated response across all access points—no manual intervention, no tickets, no delays.
Continuous Compliance
RBI-mapped audit reports generated instantly from unified evidence, not stitched together under pressure.
Built for Regulator’s Expectations
The platform operationalizes RBI Master Directions on IT Governance, Cyber Resilience, and Assurance:
- Continuous least privilege enforcement across hybrid environments
- 24×7 identity threat detection and response with automated containment
- Unified control over vendor, cloud, and privileged access
- Consolidated audit evidence from a single system, not multiple dashboards
Executive Overview
NBFCs in a Digitally Expanding Financial Ecosystem
Identity as Foundational Infrastructure
The Limits of Traditional Security Models
The Shift Toward Cybersecurity-as-an-Infrastructure
Purpose and Scope of This Report
Don’t Wait for a Show-Cause Notice.
See how your current access controls map against the 2025 RBI Mandates.
Why NBFCs Choose Cross Identity?
The NBFC Identity Challenge: Scale, Complexity, and Risk
- Rapid Expansion of Digital NBFC Operations NBFCs are increasingly operating as digital-first financial institutions. Customer onboarding, credit assessment, disbursements, collections, and servicing are executed through interconnected digital platforms. As product lines expand and operations scale, NBFC environments grow more distributed across cloud services, internal systems, and third-party platforms. This rapid expansion introduces complexity that traditional access controls were not designed to manage.
- Explosion of Identity Types Modern NBFC environments include a wide range of identities beyond full-time employees. These include borrowers, field agents, outsourced partners, customer support vendors, system administrators, APIs, and automated processes. Each identity interacts with systems differently, yet all require secure and governed access. Managing this diversity of identities consistently is one of the most significant challenges facing NBFC security and compliance teams.
- Identity Sprawl and Access Inconsistency As identities increase, access sprawl becomes inevitable without strong governance. Employees accumulate permissions as roles change, agents retain access beyond assignments, and vendors often keep credentials long after contracts end. These inconsistencies create blind spots that increase insider risk and complicate audits. Manual access management processes struggle to keep pace with this level of operational change.
- Outsourcing and Ecosystem Risk NBFCs rely heavily on outsourced operations and partner ecosystems to support collections, customer service, analytics, and technology functions. While outsourcing enables efficiency, it also introduces new access pathways that are difficult to monitor and control using fragmented tools. Poorly governed third-party access is a common source of regulatory observations and security incidents
- Automation, APIs, and Non-Human Identities Automation plays an increasing role in NBFC operations, from credit decisioning to reporting and notifications. APIs and service accounts often operate with elevated permissions, yet lack the visibility and governance applied to human users. Without proper controls, non-human identities can become high-impact attack vectors and a source of systemic risk.
- Growing Risk Exposure The combination of identity sprawl, outsourcing, and automation increases NBFC exposure to fraud, data breaches, regulatory findings, and operational disruption. These risks are not isolated technical issues; they directly affect business continuity, customer trust, and regulatory confidence. Addressing this challenge requires moving beyond isolated controls toward a unified approach to identity governance.
Ready to Modernize Your Security Infrastructure?
Let’s discuss how converged identity infrastructure can:
- Eliminate security gaps between tools
- Reduce audit preparation from weeks to minutes
- Contain identity threats in real-time
- Lower operational costs and complexity
