Where Technology,
Finance & AI
compound into
intelligent financial ecosystems.
HR Consortium USA, Inc. is a U.S.-registered, well-capitalized conglomerate operating across financial services, AI infrastructure, and digital payments. As a multi-sector holding group, we design and operate businesses that expand financial access, deepen digital participation, and modernize underserved industries with structured, technology-led innovation.
Anchored by disciplined governance, multi-year capitalization plans, and institutional-grade risk frameworks, HR Consortium serves as both a holding company and an innovation engine for its portfolio: SahajMobile, StructuredAI, and StructuredPay.
Group Portfolio
An ecosystem of specialized platforms
HR Consortium operates subsidiaries engineered to scale financial access, risk automation, and structured payments across multiple sectors.
SahajMobile
Consumer EMI & Digital Inclusion
Device-EMI and consumer financial services platform enabling Bangladesh’s mass-market population to own smartphones affordably.
- Established in 2023 under HR Consortium.
- Partnerships with top retailers & distributors.
- Underwriting intelligence with nationwide expansion.
Visit SahajMobile →
StructuredAI
AI & Risk Infrastructure
Central AI, automation, and risk decisioning engine powering lending, verification, and portfolio monitoring across the group.
- Aggregates telecom, behavioral & device data.
- Automated scoring & fraud detection.
- Scalable third-party automation suite roadmap.
Visit StructuredAI →
StructuredPay
BNPL for Legal Services
Legal-fee financing for U.S. immigration law firms: clients pay monthly installments while firms receive upfront payout.
- Hybrid funding via group capital & lending pools.
- Digital-first onboarding without SSN requirement.
- Expanding into wider professional-services sectors.
Visit StructuredPay →
Company Overview
HR Consortium USA, Inc.
HR Consortium USA, Inc. is a U.S.-registered, well-capitalized conglomerate operating across financial services, artificial intelligence, and digital payments. Built on institutional governance and disciplined capital management, HR Consortium functions as a multi-sector holding company focused on expanding financial access and modernizing underserved industries.
Through structured corporate ownership, multi-year capitalization plans, and a strong balance sheet, the company is positioned to grow across both domestic and international markets while maintaining robust risk and compliance standards.
Our Vision
To build a global ecosystem of technology-enabled businesses that meaningfully advance financial accessibility, digital transformation, and intelligent automation—empowering individuals, supporting businesses, and stimulating sustainable economic growth.
Our Mission
To deliver value through innovation, disciplined execution, and responsible corporate management. HR Consortium develops modern solutions that elevate industries, improve lives, and align long-term shareholder value with measurable community outcomes.
Corporate Direction
The company's strategic direction is to become a global entity that addresses modern challenges with advanced technological and financial tools, emphasizing structure, discipline, and forward-thinking portfolio construction.
Leadership & Governance
HR Consortium USA, Inc. operates under the leadership of Abu Nayem Faiz, Abu Al Motalib, and Feng Wang. Together, they bring global experience across business operations, finance, innovation, and technology development—anchoring the group's stability and long-term expansion strategy.
Structured Holding Company Model
As a holding company, HR Consortium provides capital, risk infrastructure, and operational frameworks to its subsidiaries, enabling them to grow rapidly while preserving strong governance, transparency, and regulatory alignment.
Portfolio Architecture
The group's subsidiaries—SahajMobile, StructuredAI, and StructuredPay—are independently managed but united by shared standards of compliance, disciplined risk management, and aligned long-term value creation.
SahajMobile • Consumer EMI & Digital Inclusion
SahajMobile – smartphone access for the next billion.
SahajMobile is the consumer financial services and device-EMI arm of HR Consortium USA, Inc., dedicated to making modern mobile technology affordable for mass-market Bangladesh. Established in 2023, it has rapidly emerged as a leading EMI provider in the smartphone sector, backed by the group's capital base, underwriting intelligence, and multi-year expansion strategy.
The platform enables consumers—many entering the digital ecosystem for the first time—to own smartphones without the burden of large upfront costs. Through customer-centric design and data-driven assessment, SahajMobile delivers approvals within minutes while minimizing operational friction for retail partners.
Market & Expansion
Rooted in Bangladesh with a roadmap across South Asia and other high-growth, underbanked regions—scaling distribution alongside data-driven risk models.
Data & Underwriting
Alternative-data indicators, layered verification, and responsible lending guidelines maintain portfolio quality while preserving affordability for both salaried and informal segments.
EMI journey with SahajMobile
- 1. Customer interest captured via retail partner, distribution channel, or digital touchpoint.
- 2. Simple eligibility check using basic information and KYC inputs.
- 3. Digital documentation, risk checks, and verification.
- 4. Down payment collection and EMI schedule selection.
- 5. Device activation with ongoing payment tracking.
- 6. Continuous support, field verification, collections, and upgrade pathways.
Portfolio Growth (Illustrative)
Device EMIs financed increase as new retailers, alternative-data sources, and automation improve risk visibility at scale.
For illustration only—demonstrating compounding growth as network effects and underwriting intelligence mature.
Operations & Support
SahajMobile's nationwide retail network is supported by centralized risk operations, automation tooling, and AI scoring from StructuredAI—ensuring reliable execution at frontier scale while remaining deeply integrated with local realities in Bangladesh.
StructuredAI • Intelligent Lending & Automation
StructuredAI – the intelligence layer for modern credit.
StructuredAI is the artificial intelligence, automation, and digital risk infrastructure subsidiary of HR Consortium USA, Inc. It powers decisioning systems across financing, underwriting, verification, and portfolio monitoring—serving consumer credit, retail EMI operations, and professional-service financing.
Operating as the technological backbone of the group's lending ecosystem, StructuredAI provides automated scoring engines, identity verification modules, risk-prediction algorithms, and end-to-end workflow automation. This reduces processing time, increases risk precision, and improves overall unit economics for all HR Consortium subsidiaries.
Data Architecture
Ingests real-time signals from internal portfolios, telecom data, merchant activity, behavioral analytics, device metadata, and open-source intelligence to power lending decisions with high confidence.
Automation Stack
- • Automated onboarding & document verification.
- • Dynamic limit assignment and risk tiering.
- • Early-delinquency detection and alerts.
- • Fraud detection & anomaly monitoring.
End-to-End Intelligence Workflow
- 1. Data intake from SahajMobile, StructuredPay, and external partners.
- 2. Feature engineering across telecom, behavioral, credit, and merchant patterns.
- 3. Automated risk scoring, decisioning, and limit assignment.
- 4. Continuous performance monitoring and model recalibration.
- 5. Portfolio-level insights, dashboards, and risk reporting for management.
Beyond the Group: StructuredAI's Expansion Roadmap
While StructuredAI currently focuses on powering HR Consortium's internal lending ecosystem, it is designed for expansion into third-party risk infrastructure, AI-based financial automation suites, and cross-border underwriting frameworks tailored to emerging markets.
Central Operating Engine
Built to deliver institutional-grade intelligence with consumer-level simplicity, StructuredAI stands as the engine of automation and risk efficiency—driving faster decisions, lower costs, and smarter financial access across all HR Consortium subsidiaries.
StructuredPay • Flexible Legal Payments & BNPL Automation
StructuredPay – financing that supports both clients and law firms.
StructuredPay is the specialized BNPL and legal-fee financing subsidiary of HR Consortium USA, Inc., designed for U.S. immigration lawyers and their clients. It enables law firms to receive their full fees upfront while clients repay over time through predictable, transparent monthly installments.
Backed by HR Consortium's capital strength, compliance framework, and structured oversight, StructuredPay offers a seamless financing model that improves accessibility for immigrant clients without compromising service quality or integrity for law firms.
How a Typical Case Works
- 1. Client contributes an initial down payment (typically 30–50% of the legal fee).
- 2. Client completes a digital financing application—no Social Security Number required.
- 3. StructuredPay provides approval instantly or within 24 hours.
- 4. StructuredPay disburses the remaining legal fee directly to the law firm, net of a service charge (commonly in the 8–12% range, depending on repayment duration).
- 5. Client repays StructuredPay over time with a fixed, clear monthly schedule.
Illustrative Case Economics
- Case value
- $10,000
- Client down payment
- $3,000
- StructuredPay funds to firm*
- $6,400
- Client monthly payment (24 months)
- $344
*Illustrative example only. Actual economics depend on repayment term, case type, jurisdiction, and underwriting outcomes.
Funding & Risk Structure
StructuredPay operates on a hybrid funding model combining HR Consortium's internal capital, dedicated financing pools, and structured credit allocations. This ensures consistent funding, prudent risk exposure, and a scalable foundation for national expansion.
Value for Law Firms & Clients
- • Law firms receive liquidity upfront and reduce AR friction.
- • Clients gain an accessible path to legal representation.
- • StructuredPay manages billing, servicing, and collections, allowing attorneys to focus on advocacy.