From digital journeys to intelligent, explainable decisions — built for scale. DecisionOS is the intelligence layer for lending, connecting evidence, policy, reasoning and outcomes across the lending lifecycle.
Adopt one capability where the pain is sharpest; expand without a second integration. One backbone connects orchestration, policy, evidence, audit and explainability.
Captures, qualifies and routes every lead from arrival to action, so nothing sits in a queue waiting for someone to notice it.
Builds and adapts loan journeys at the speed of the market, with no release-cycle dependency standing in the way.
Turns financial evidence, bank statements, bureau, income and cash flow, into a decision-ready recommendation with its reasoning attached.
Makes every document machine-readable, comparable and explainable, so an underwriter reviews what needs judgement, not what needs reading.
Converts policy into executable logic that can be simulated and stress-tested before it ever touches a live lending decision.
Detects borrower stress before delinquency becomes the first signal, watching every account continuously, not on a calendar.
Automates incentive payouts and reconciliation across every channel, replacing a cycle-end spreadsheet exercise with a continuous workflow.
Manages collateral as a living asset, with continuous visibility into value, ownership and lien status, not a record checked once a year.
Manages the partner ecosystem end to end, from onboarding and case allocation through to performance and risk.
Adopt one capability where the pain is sharpest; expand without a second integration.
DecisionOS auto-captures, scores, qualifies and routes leads from every source into one operating view, WhatsApp, SMS, email and calls together, so context follows the lead instead of getting lost between systems. Workload-aware routing and next-best-action prompts mean cross-sell and follow-up become systematic instead of accidental.
Lead capture, qualification and routing happen across disconnected channels, with context and follow-up fragmented.
Leads are captured, qualified and routed dynamically, with customer context and next-best action carried through.
Journey Studio designs any loan journey on a visual canvas and adapts it in real time, suggesting the most effective path as it learns. Business teams can continuously design, optimise and launch customer journeys without depending on long technology change cycles, while friction goes down and policy and compliance integrity stay intact.
Loan journeys are largely fixed, forcing different customer profiles through the same path.
Journeys adapt to eligibility and behaviour, with the right path, validation and data captured at the right point.
DecisionOS brings bank statements, ITR, GST, salary, bureau and other financial evidence together, cross-checks for consistency and returns a risk-calibrated recommendation with reasoning attached — designed for high-volume decisioning.
Underwriting teams work through financial evidence across statements, returns, bureau and other sources, often with fragmented checks.
Evidence is cross-checked across sources, anomalies are surfaced, and a risk-calibrated recommendation is produced with reasoning.
DecisionOS auto-classifies and indexes every document across lending workflows, converts PDFs and images into structured fields without template dependency, and flags tampering, forgery and cross-document inconsistencies before they contaminate a decision. The result is a reusable structured evidence record that every downstream module, credit, policy, collections, can draw on.
Documents require manual reading, classification and extraction before the underwriter can focus on judgement.
Documents are classified, extracted and integrity-checked into reusable evidence for downstream decisions.
DecisionOS turns policy documents into executable intelligence. Every policy can be simulated, stress tested, optimised and deployed with complete transparency before it touches a live lending decision, instead of finding out the hard way after the fact.
Policy changes are implemented and monitored in production, making impact and risk harder to assess before deployment.
Policies are authored, simulated and stress-tested before activation, with versioning, approvals and rollback built in.
A loan does not end at disbursement, it just stops being anyone's daily concern. Most portfolios are checked on a calendar, monthly or quarterly, which means the gap between when trouble starts and when anyone notices is however long that calendar happens to be. DecisionOS monitors every loan continuously across 800 plus behavioural and transactional signals, so a missed payment becomes a late signal, not the first one.
Monitoring is periodic, so early changes in borrower behaviour can remain invisible until delinquency appears.
Continuous signals surface borrower stress earlier, enabling risk-based intervention before default.
DecisionOS automates incentive disbursement across every payout structure and cycle, gives payers and recipients real-time status on every payout, and reconciles sanctioned against disbursed amounts automatically, flagging mismatches with a clean audit trail. The same control model applies whether it is one payout or thousands.
Payouts, approvals and reconciliations are managed across cycles, with exceptions often surfacing at period end.
Approved events trigger payouts, status stays visible, and sanctioned-versus-disbursed mismatches are flagged automatically.
DecisionOS centralises document, ownership, lien and valuation history in one view, monitors collateral value continuously against loan exposure, and surfaces under-collateralisation and value changes early instead of at the next scheduled review. Collateral stops being a static record and becomes an intelligence signal the rest of the platform can act on.
Collateral value, ownership and lien information can become stale between scheduled reviews.
Collateral value, ownership, lien and exposure are monitored continuously, surfacing exceptions earlier.
DecisionOS manages partner onboarding, documentation and activation, routes cases to legal, technical and other verification partners, and tracks assigned cases, status, turnaround time and exceptions in one workbench. Applications, disbursals, volumes, payouts and risk signals stay visible continuously, from onboarding through to performance and risk.
Partner onboarding, allocation, status and performance are managed across fragmented workflows.
Partners, cases, TAT, exceptions, payouts and risk signals come together in one operating view.
DecisionOS brings evidence, policy and reasoning together to generate a recommendation at speed. A person reviews the recommendation, signs off, and the policy version, evidence and reasoning remain available for replay and audit.
Recommendation target: ~4 seconds for high-volume decisioning. Human judgement remains the final authority.
AI reasons across evidence and policy and produces a recommendation with its reasoning attached.
Approve, edit the terms or escalate. The AI supports the decision but never executes on its own.
The policy, evidence, reasoning and final decision are recorded automatically and remain replayable.
DecisionOS connects data, evidence, policy, reasoning and outcomes across the lending lifecycle. AI reasons across evidence and policy; people govern the outcome; the core remembers every decision.
DecisionOS supports every product line through the same operating model, with no rebuilding and no re-platforming required as you add new lines of business.
DecisionOS is designed to reduce manual overhead, accelerate processing and improve team output — while keeping human authority, policy versioning, explainability and replayability built into the decision layer.
Faster processing across workflows
Reduction in manual overhead
Increase in team output and efficiency
Time to market for new products
Governance, decision by decision
Novel Patterns is a financial technology company that enables banks, NBFCs, housing finance companies, other financial institutions and investment management firms to modernise their lending and investment operations. Its AI powered ecosystem, anchored by DecisionOS, with CART, HawkEye and MyConCall running as native modules inside it, alongside Genesis for investment operations, supports the entire customer and investment lifecycle, from onboarding and credit decisioning through to collections, portfolio monitoring and fund operations.
Trusted by 140 plus enterprise customers across India, Southeast Asia and Africa, Novel Patterns processes hundreds of millions of records every month, helping financial institutions improve operational efficiency, make smarter decisions and deliver better customer experiences.
Answers about DecisionOS, AI credit underwriting and governed lending workflows for banks and NBFCs.
DecisionOS is an AI lending platform that connects data, documents, credit policy, reasoning and decisions across the lending lifecycle. Banks, NBFCs and other financial institutions can use its connected capabilities for lead management, loan journeys, underwriting, policy controls and portfolio monitoring. Its operating model combines AI recommendations with human approval and a recorded decision trail.
DecisionOS brings evidence and policy together so AI can analyse a case, identify exceptions and produce a recommendation with supporting reasoning. Configured workflows connect the relevant lending capabilities and route the case to the appropriate reviewer. A person approves, changes the terms or escalates the recommendation, while the platform records the evidence, policy version and outcome.
A Loan Origination System manages the progression of a loan application. DecisionOS focuses on the intelligence and control connecting that journey: financial evidence, document checks, executable policy, recommendations, human approval and ongoing monitoring. The implementation can connect this decision layer with existing lending systems, according to the institution's architecture and workflows.
DecisionOS is designed to connect lending decisions with existing systems and data sources. Its published architecture includes core banking systems, bureau APIs, Account Aggregator, payment gateways, collections and third-party verification. Integration design establishes the interfaces, data mappings, case identifiers and approval handoffs needed for the institution's existing LOS and core banking environment.
DecisionOS assembles financial evidence into a credit view, checks consistency across sources and applies the institution's configured policy to support a reasoned recommendation. Underwriters can review anomalies, supporting findings and policy exceptions together. This connects document and financial analysis with the review and approval workflow, rather than leaving teams to reconcile separate reports manually.
DecisionOS's credit intelligence combines bank statements, bureau information, income and cash-flow evidence, ITR, GST and salary information within the configured lending workflow. Cross-checking these sources helps surface inconsistent information and risk indicators. CART provides native financial analysis capabilities within the Novel Patterns ecosystem, including bank statement analysis and connected underwriting inputs.
DecisionOS's published operating model keeps human sign-off as the final authority. AI assembles the evidence and policy reasoning and generates a recommendation; an authorised person reviews the case, approves it, changes the terms or escalates it. The recommendation, human action and final decision remain part of the recorded decision trail.
DecisionOS connects a recommendation with the evidence and policy reasoning used to produce it. The policy version, financial findings, reasoning and final human decision are recorded so the case can be reviewed and replayed. This gives credit and governance teams a traceable basis for investigating a recommendation, an exception or a change in the outcome.
DecisionOS includes policy authoring, simulation and stress testing before activation. Teams can examine how proposed rules behave using real and synthetic cases, then follow the configured approval process before deployment. Policy versioning and rollback help the institution connect a decision to the rules in force at that time and manage subsequent policy changes.
DecisionOS's document intelligence classifies and indexes lending documents, extracts structured fields from PDFs and images, and checks for integrity issues and differences across documents. The resulting evidence can be reused in credit and policy workflows. Flagged anomalies give a reviewer specific issues to investigate alongside the underlying documents and case information.
DecisionOS's Journey Studio uses a visual canvas to design and adapt lending journeys. A salaried applicant, a self-employed borrower and a small business can follow different paths for eligibility checks, supporting documents and financial information. Business teams can configure these journeys while keeping policy and approval requirements connected to the application.
DecisionOS's published lending lines include home loans, loans against property, vehicle loans, MSME and SME lending, personal loans, education loans, gold loans, overdrafts, micro housing finance, agriculture loans, credit cards and Islamic finance. Each implementation configures the relevant borrower journey, evidence, policy and review process for the institution's chosen products.
DecisionOS includes post-disbursal intelligence to monitor changes in borrower behaviour and financial activity after a loan is disbursed. It surfaces early stress indicators for risk-based review and intervention. HawkEye provides native portfolio monitoring and early warning capabilities within the Novel Patterns ecosystem, connecting ongoing signals with the wider lending workflow.
DecisionOS provides the connected decision and orchestration layer, with CART, HawkEye and MyConCall available as native modules in the Novel Patterns ecosystem. CART supports financial analysis and underwriting inputs; HawkEye supports portfolio monitoring and early warning; MyConCall supports video-based customer engagement and onboarding. The required capabilities can be combined around the institution's lending workflow.
DecisionOS is presented as one intelligence backbone with multiple capabilities, allowing an institution to begin with a specific operational need and expand. The published capabilities cover CRM, journeys, credit, documents, policy, post-disbursal monitoring, incentives, collateral and partner operations. Shared orchestration, evidence, policy and audit connect these capabilities as the implementation grows.
Validate the complete operating workflow, including source data, document quality, policy behaviour, exceptions, human approval and the decision trail. The implementation review should also establish deployment architecture, user access, data handling, retention, integrations and operational responsibilities. Representative cases help the institution assess how the configured platform works with its own products and governance requirements.
Compare platforms using representative borrower cases and your institution's credit policy. Assess financial and document analysis, bureau and Account Aggregator integration, exception handling, policy simulation, explainability, human approval and auditability. For DecisionOS, ask for an end-to-end demonstration showing how evidence becomes a recommendation, how an underwriter reviews it and how the final decision is recorded.
Select Download Brochure, enter your full name, organisation and work email, and submit the form with your consent. Novel Patterns will email a secure link to the DecisionOS PDF. To request a demonstration, use Get a demo or the contact forms below and share your institution’s loan products, current systems and priority workflows.
Schedule a live demo or send us a message - our team responds within one business day.
Pick a time that suits you. We'll walk you through CART, Genesis, MyConCall or HawkEye tailored to your institution's workflow.
Tell us about your institution and we'll craft a solution brief for you.