7,580documents assessed monthly
70%faster turnaround
53%lower manual overhead
17.2%vehicle finance risk detection
The business challenge
Five borrower documents can describe five versions of the same business. Bank statements, GST returns, audited financials, ITR filings and bureau reports each hold part of the answer, while the risk often sits in the distance between them.
The solution
CART assesses every source on its own terms, reconciles corresponding facts and converts mismatches into severity-tagged risk signals. The credit manager starts with a structured position rather than a stack of paper.
How it works
01
Assess every sourceScore banking, GST, financials, ITR and bureau independently.
02
Triangulate matching factsTest turnover, income, debt and liabilities across records.
03
Convert gaps into riskTurn differences into low, medium or high severity signals.
04
Generate the CAMDeliver a position, scorecards, matrix and actions.
Selected outcomes
Across three portfolios, the engine maintained a repeatable assessment process while responding to the different risks present in each book.
What the institution gained
- One integrated view across three lending portfolios
- Automated triangulation across five source types
- Consistent depth regardless of reviewer workload
The complete story is in the PDF
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