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Risk Products

AI/ML-powered customer assessment tool that efficiently evaluates credit risk at the time of underwriting.

  • Efficient evaluation of credit risk using bureau data
  • Real-time decision-making capabilities
  • Applicable throughout customer loan journey

Data Used

  • Bureau CIR data (CIBIL, CRIF, Experian)

Use Cases

  • Customer underwriting
  • Risk based pricing
  • Cross-sell
  • Post disbursal customer assessment for upsell

Advanced AI/ML engine that utilises alternate data for efficient customer profiling.

  • Consent based system
  • Converts SMS and other data from customer device into usable insights
  • Generates data-driven engine and scorecards for customer's lending journey

Data Used

  • SMS
  • Location

Use Cases

  • Customer underwriting
  • Post disbursal monitoring
  • Lead generation triggers

Advanced AI/ML system that creates smart triggers for proactive action on customers indicative of delinquency

Data Used

  • Bureau CIR data (CIBIL, CRIF, Experian)
  • SMS

Use Cases

  • Early delinquency management
  • Late delinquency management
  • NPA reduction
  • Customer monitoring
  • Collection cost reduction

All-in-one corporate credit assessment AI/ML tool that analyses financial and non-financial factors to determine custom loan pricing, helping businesses assess the financial health and stability of a company.

Data Used

  • Consumer and Commercial Bureau Scrub data (CIBIL, CRIF, Experian)
  • Financial Statements (BS, P&L, CFS)
  • Tax Filings (ITR, GST)
  • Litigation Reports
  • Bank Statement

Use Cases

  • MSME Risk Assessment
  • Corporate Profiling data
  • NPA reduction
  • Increase Approval rate
  • Customer underwriting
  • Corporate Dynamic Pricing
  • Cross-sell: Offering personalized products recommendations to acquired customers
  • Account aggregator analytics: Compliant risk assessment of customer data, while adhering to RBI/Sahmati regulations
  • Pricing engine: Enabling tailored interest rates and protection levels based on default probabilities for consumers and partners

Data Used

  • Bureau CIR data (CIBIL, CRIF, Experian)
  • SMS
  • CEPLR

Use Cases

  • Customer pricing
  • Customer profiling
  • Cross-sell
  • Customer underwriting
  • Customer monitoring

Real-time decisioning framework that acts as the ultimate gatekeeper for customer approval, underwriting, and BRE decisions.

Data Used

  • Bureau CIR data (CIBIL, CRIF, Experian)
  • SMS
  • CEPLR
  • Financials
  • KYC

Use Cases

  • Customer underwriting

NLP based system that effortlessly extracts data from diverse documents, creating versatile variables for various use cases.

Data Used

  • Bank Statement
  • GST
  • Financial statements
  • ITR
  • Udyam

Use Cases

  • Customer underwriting
  • Customer profiling
  • EWS
  • Collection

AI/ML-powered customer assessment tool that efficiently evaluates credit risk at the time of underwriting.

  • Efficient evaluation of credit risk using bureau data
  • Real-time decision-making capabilities
  • Applicable throughout customer loan journey

Data Used

  • Bureau CIR data (CIBIL, CRIF, Experian)

Use Cases

  • Customer underwriting
  • Risk based pricing
  • Cross-sell
  • Post disbursal customer assessment for upsell

Advanced AI/ML engine that utilises alternate data for efficient customer profiling.

  • Consent based system
  • Converts SMS and other data from customer device into usable insights
  • Generates data-driven engine and scorecards for customer's lending journey

Data Used

  • SMS
  • Location

Use Cases

  • Customer underwriting
  • Post disbursal monitoring
  • Lead generation triggers

Advanced AI/ML system that creates smart triggers for proactive action on customers indicative of delinquency

Data Used

  • Bureau CIR data (CIBIL, CRIF, Experian)
  • SMS

Use Cases

  • Early delinquency management
  • Late delinquency management
  • NPA reduction
  • Customer monitoring
  • Collection cost reduction

All-in-one corporate credit assessment AI/ML tool that analyses financial and non-financial factors to determine custom loan pricing, helping businesses assess the financial health and stability of a company.

Data Used

  • Consumer and Commercial Bureau Scrub data (CIBIL, CRIF, Experian)
  • Financial Statements (BS, P&L, CFS)
  • Tax Filings (ITR, GST)
  • Litigation Reports
  • Bank Statement

Use Cases

  • MSME Risk Assessment
  • Corporate Profiling data
  • NPA reduction
  • Increase Approval rate
  • Customer underwriting
  • Corporate Dynamic Pricing

  • Cross-sell: Offering personalized products recommendations to acquired customers
  • Account aggregator analytics: Compliant risk assessment of customer data, while adhering to RBI/Sahmati regulations
  • Pricing engine: Enabling tailored interest rates and protection levels based on default probabilities for consumers and partners

Data Used

  • Bureau CIR data (CIBIL, CRIF, Experian)
  • SMS
  • CEPLR

Use Cases

  • Customer pricing
  • Customer profiling
  • Cross-sell
  • Customer underwriting
  • Customer monitoring

Real-time decisioning framework that acts as the ultimate gatekeeper for customer approval, underwriting, and BRE decisions.

Data Used

  • Bureau CIR data (CIBIL, CRIF, Experian)
  • SMS
  • CEPLR
  • Financials
  • KYC

Use Cases

  • Customer underwriting

NLP based system that effortlessly extracts data from diverse documents, creating versatile variables for various use cases.

Data Used

  • Bank Statement
  • GST
  • Financial statements
  • ITR
  • Udyam

Use Cases

  • Customer underwriting
  • Customer profiling
  • EWS
  • Collection

Tech Products

Enabling seamless access to customer’s real-time financial data through integration with customer applications.

Functionalities:

  • Credit and Lending: Revolutionize your lending solution with authentic and fraud-proof bank data, delivering a seamless experience to customers
  • Personal Finance: Elevate your personal finance solutions with easy bank account linking and standardized digital access to account transaction data
  • Insurance: Enhance your insurance offerings with tamper-proof income data for seamless loan premium calculations

Simplify KYC verification and mitigate fraud risk with CCIP (Complete Customer Identification Process) tool that verifies the authenticity of PAN and CKYC documents through barcode scanning or document number entry.

Functionalities:

  • Achieve regulatory compliance with seamless customer due diligence and KYC verification
  • Ensures authenticity and validity of customers' PAN and CKYC documents

Enabling seamless access to customer’s real-time financial data through integration with customer applications.

Functionalities:

  • Credit and Lending: Revolutionize your lending solution with authentic and fraud-proof bank data, delivering a seamless experience to customers
  • Personal Finance: Elevate your personal finance solutions with easy bank account linking and standardized digital access to account transaction data
  • Insurance: Enhance your insurance offerings with tamper-proof income data for seamless loan premium calculations

Simplify KYC verification and mitigate fraud risk with CCIP (Complete Customer Identification Process) tool that verifies the authenticity of PAN and CKYC documents through barcode scanning or document number entry.

Functionalities:

  • Achieve regulatory compliance with seamless customer due diligence and KYC verification
  • Ensures authenticity and validity of customers' PAN and CKYC documents
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