Readiness Checklist

Is Your Institution Ready for Autonomous Credit Decisioning?

A self-assessment tool to evaluate your institution's readiness across five dimensions: data maturity, process standardisation, technology infrastructure, regulatory posture, and organisational readiness.

01

Data Maturity

Are your data sources accessible?

  • Bureau API integrations are active (CIBIL, Equifax, CRIF, or Experian)
  • GST data can be pulled electronically for applicants
  • Bank statements are received digitally (not just scanned PDFs)
  • Financial statements are available in structured format
  • Historical loan performance data is accessible for model calibration
02

Process Standardisation

Are your credit workflows defined?

  • Credit policy is documented and version-controlled
  • Scoring criteria are explicitly defined (not just tribal knowledge)
  • Approval matrix and delegation of authority are formalised
  • Standard operating procedures exist for each credit product
  • Deviation processes are documented with escalation paths
03

Technology Infrastructure

Can your systems integrate?

  • Loan Origination System has API capabilities (REST or SOAP)
  • Core Banking System supports webhook or event-driven integration
  • IT team has experience with API integration and middleware
  • Development/sandbox environments are available for testing
  • Security infrastructure supports API authentication (OAuth/JWT)
04

Regulatory Posture

Are you audit-ready today?

  • Current audit trail practices capture decision rationale (not just outcomes)
  • Fair Practices Code compliance is actively monitored
  • IRAC classification is systematic and timely
  • Data privacy practices align with DPDPA requirements
  • Regulatory reporting is automated or semi-automated
05

Organisational Readiness

Is your team prepared for change?

  • Leadership has articulated a vision for credit automation
  • Credit team is open to augmentation (not threatened by automation)
  • Budget is allocated for technology investment in credit operations
  • A project sponsor or champion exists for this initiative
  • Change management processes are in place for technology adoption

Your Score

How Did You Score?

20-25
You're ready. Let's deploy.
12-19
Strong foundation. We can start with a pilot.
0-11
Let's talk about a readiness roadmap.
Discuss Your Readiness
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