Smarter Lending Decisions. Lower Risk.
Faster Turnaround.
Accelerate your credit lifecycle with intelligent, AI/ML-driven credit risk evaluation — from application intake to post-disbursement monitoring.
AI Credit Risk Analysis is an end-to-end intelligent system that automates credit evaluation and scoring using advanced Machine Learning, Optical Character Recognition (OCR), and decisioning logic. It enables faster, more accurate, and bias-free loan processing for banks and financial institutions.
Whether you're evaluating salaried professionals or self-employed individuals across India, the USA, Mexico, or the UAE — our system adapts to your risk policies, regulatory frameworks, and document requirements.
How It Works – Intelligent Workflow
1. Application Intake
Accepts both online and offline applications through portal, app, or physical branch.
3. Automated Verification
Validates identity, income, and credit history through APIs and document cross-checking.
5. Decision & Disbursement
Based on the score, the system flags applications as Auto-Approve, Manual Review, or Reject.
2. Document Upload & Extraction (OCR)
Converts structured and unstructured documents into usable data formats.
4. AI-Driven Risk Scoring
Uses LightGBM-based ML engine to compute a dynamic creditworthiness score.
6. Post-Disbursement Risk Tracking
Monitors repayment behavior, bounce patterns, and risk shifts in real time.
What Powers the AI Engine?
- 0.5M+ Curated Loan Cases : Diverse borrower, region, and product datasets
- Human-Led Data Cleaning : Removal of faulty, biased, and duplicate entries
- Feature Engineering : Handpicked variables like job profile, EMI behavior, banking activity
- Model Discipline : Rigorous validation, simulation, and performance tuning
This is not black-box AI — it's explainable, accurate, and designed for real-world lending.
What Does It Evaluate?
- Loan type, amount, duration, purpose
- Occupation, qualification, and income stability
- Debt-to-Income ratio
- Past repayment history, CIBIL score, and red flags
- Document consistency and fraud patterns
Pre & Post Disbursement Risk Control
Risky profiles are
flagged early
01
Officers see “Go / Review / Stop” signals
02
Faster turnaround and lower error rates
03
Monitors delays and
missed EMIs
01
Dynamic risk scoring for proactive recovery
02
Ensures full loan lifecycle compliance
03
Key Benefits for Banks & NBFCs
- Faster Loan Approvals
Accessible across devices with intuitive interfaces.
- Improved Accuracy
Reduce TAT from days to minutes
- Bias-Free Decisioning
Eliminate human error in risk evaluation
- Lower NPA Risk
Data-driven, explainable outputs
- Post-Loan Tracking
Stay alert to shifts in borrower behavior
- Supports Multilingual & Global Document Formats
Ideal Use Cases
- Cooperative & Rural Banks
- NBFCs & Digital Lending Platforms
- Microfinance Institutions
- BFSI Risk & Credit Teams
- Regulators & Audit Bodies