32,660documents assessed monthly
70%faster turnaround
0.95 secP95 production response
7.9%average risk detection
The business challenge
At portfolio scale, the hidden cost of manual review is variance. Different officers can spend different amounts of time and surface different findings from the same borrower file.
The solution
An AI assessment layer scores each source, reconciles overlapping facts, raises severity-tagged discrepancies and generates the Credit Assessment Memorandum before the underwriter opens the file.
How it works
01
Assess each documentEvaluate banking, GST, financials, ITR and bureau independently.
02
Reconcile corresponding dataCompare turnover, income, debt and liabilities.
03
Raise precise exceptionsName the gap, documents, severity and next action.
04
Deliver a decision-ready CAMGive the underwriter the verdict, scorecards and open questions.
Selected outcomes
Roughly one document in twelve was surfaced with a risk indicator, and the ratio stayed steady across months.
What the institution gained
- The same depth applied to every file
- Automated cross-document reconciliation
- Close to 100,000 documents assessed each quarter
The complete story is in the PDF
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