The Agentic Pipeline
Four Specialised AI Agents. One Seamless Credit Decision.
Each agent in the pipeline has a defined role, verified data sources, and auditable reasoning — operating as a tireless, consistent extension of your best credit analyst. End-to-end processing in under 15 minutes.
Data Ingestion Agent
Collect & Normalise
Automatically pulls financials, bureau reports, GST data, bank statements, and MCA filings from multiple sources. Normalises disparate data formats into a unified applicant profile — no manual data entry, no spreadsheet wrangling.
Capabilities
- —Multi-bureau pull orchestration (CIBIL, Equifax, CRIF High Mark, Experian)
- —GST return parsing (GSTR-1, GSTR-3B, annual returns)
- —Bank statement analysis across all major Indian banks
- —MCA filing extraction (charge sheets, director details, financial statements)
- —ITR document parsing (ITR-1 through ITR-7)
- —CERSAI charge verification
Analysis Agent
Analyse & Benchmark
Performs comprehensive financial analysis including ratio computation, cash flow modelling, peer benchmarking, and trend analysis. Identifies anomalies, flags inconsistencies across data sources, and builds a complete financial picture.
Capabilities
- —40+ financial ratio computations (liquidity, solvency, profitability, efficiency)
- —Cash flow modelling and projection
- —Peer benchmarking against industry and segment data
- —Cross-source data validation and anomaly detection
- —Trend analysis across multiple financial years
- —Working capital cycle assessment
Risk Scoring Agent
Score & Classify
Applies your institution’s credit policy with deterministic scoring — no hallucinations, no model drift. Maps every scoring decision back to specific policy clauses, producing a transparent, auditable risk assessment.
Capabilities
- —Policy-mapped deterministic scoring
- —Multi-factor risk model (financial, behavioural, sectoral, collateral)
- —Early warning signal detection
- —Concentration and exposure risk analysis
- —NPA probability estimation
- —Regulatory classification (standard, sub-standard, doubtful, loss)
Recommendation Agent
Recommend & Document
Generates a structured credit memo with a complete reasoning chain, risk flags, recommended terms, and conditions. Every recommendation links back to source data and policy rationale — ready for committee review.
Capabilities
- —Structured credit memo generation
- —Terms and conditions recommendation (rate, tenure, collateral, covenants)
- —Risk flag summary with severity classification
- —Complete reasoning chain with source citations
- —Committee-ready PDF/document output
- —Deviation flagging against sanctioned limits
Pipeline Performance
From Application to Credit Memo in Minutes.
Ready to Transform Your Credit Decisioning?
The platform is live. Try it now or book a 30-minute guided walkthrough.