Agentic AI for the lending lifecycle.
From the first borrower conversation to the final recovery, we ship agentic workflows that move risk-adjusted yield - not just pilots.
Lenders sit on rich data, strong policy frameworks, and capable teams - but origination is slow, underwriting is uneven, and collections still leans on brute force. Our lending practice brings domain-deep operators and AI engineers together to put autonomous, governed agents into the heart of your LOS, LMS, and collections stack.
Four lifecycle pillars. One operating model.
Origination & Onboarding
Conversational intake, document AI, KYC/KYB, and instant pre-qualification - across retail, SME, and secured lending products.
Credit Underwriting
Agentic underwriters that combine bureau pulls, bank statement analysis, alt-data, and policy rules - with human-in-the-loop on edge cases.
Servicing & Portfolio
Proactive servicing agents, early warning signals, restructuring decisioning, and portfolio-level risk monitoring in real time.
Collections & Recovery
Risk-segmented outreach across voice, chat, and email - empathetic, compliant, and tuned for promise-to-pay and roll-rate reduction.
Workflows we put into production
Multilingual voice and chat agents that take a borrower from interest to signed application - capturing documents, verifying identity, and explaining product terms in plain language.
Extract, classify, and reconcile payslips, ITRs, bank statements, GST returns, and KYC documents - then surface income, obligations, and red flags to the underwriter.
Policy-aware agents combine bureau, alt-data, and cash-flow signals to recommend approve / decline / refer with a transparent reason code trail.
Behavioural and transactional signals fused into a live risk score - triggering proactive outreach before the first missed EMI.
Right channel, right message, right time. Agents personalise tone and offer by risk bucket, willingness, and ability-to-pay.
Agentic case handling for chargebacks, statement disputes, and ombudsman complaints - with full audit trails for the regulator.
Built by lenders, for lenders.
Our team has shipped lending stacks at banks, NBFCs, and fintechs - and that operator instinct is what makes our agents safe to put in front of borrowers, underwriters, and regulators.
- Retail unsecured, SME, supply chain, secured, and co-lending stacks
- Bureau and alt-data integrations (CIBIL, Experian, Equifax, account aggregator)
- RBI, SEBI, and global lending regulations baked into guardrails
- Production deployments inside core banking, LOS, and LMS stacks
Measured against P&L, not vanity metrics.
Higher approval at same risk
Cash-flow and alt-data signals expand the qualifying funnel without loosening policy.
Lower cost-to-originate
Agentic intake and document AI cut manual effort and time-to-decision dramatically.
Better roll-rates
Risk-segmented, empathetic collections outreach lifts promise-to-pay and reduces NPA slippage.
Ready to put agents into your lending stack?
We start with one high-value workflow, ship it to production, and compound from there.
Talk to our lending team