Credit Risk Assessment
Auto-generated credit risk reports with income stability scoring, obligation ratios, EMI detection, and repayment capacity — delivered in seconds, not hours.
Deep expertise shouldn't be a bottleneck
Assessing repayment capacity from messy transaction data requires deep expertise and time. Every analyst reads statements differently — creating inconsistency in credit decisions across teams and branches.
Standardised, AI-driven risk scoring
Auto-generated Credit Assessment reports with income stability scoring, obligation ratios, EMI detection, and repayment capacity — consistent and accurate every time, regardless of the analyst.
Key Capabilities
Built for credit teams who need consistent, data-driven risk assessments at scale.
Income Stability Scoring
Multi-month salary trend, consistency scoring, and outlier credit detection to determine reliable net income.
Obligation Ratio Analysis
Auto-detect all EMIs, recurring debits, credit card payments, and loan repayments. Compute FOIR automatically.
Repayment Capacity Report
Residual income after obligations, disposable cash trends, and surplus/deficit months highlighted clearly.
Behavioural Risk Signals
Frequent OD usage, high bounce rates, end-of-month cash stress, and irregular credit patterns flagged automatically.
Counterparty Mapping
Who is paying the applicant? Identify employers, business clients, and related-party transfers.
Credit Assessment Report
A structured, printable report with all risk signals — ready for credit committee review or LOS integration.
How It Works
Statement Ingestion
Upload one or multiple bank statements in PDF or Excel. Multi-account consolidation supported.
Transaction Classification
Every debit and credit is classified — salary, rent, EMI, utilities, business receipts, transfers.
Risk Metric Calculation
Income score, FOIR, OD frequency, balance volatility, and repayment capacity computed automatically.
Assessment Report
Structured credit risk report generated — formatted for analyst review or direct LOS submission.
Who Uses This
Get pre-computed risk metrics for every applicant — spend time on judgment, not data extraction.
Standardize credit risk scoring across all branches and channels with AI-consistent assessments.
Rapidly score personal loan applicants with income stability and repayment capacity signals.
Assess business borrowers using cash flow proxies when audited financials aren't available.
Enrich bureau scores with real transactional behaviour data for more predictive risk models.
Embed risk assessment into your origination funnel via API for fully automated credit decisioning.
Standardize your credit risk process
See a live credit risk assessment on a real statement — consistent, AI-driven, in under 2 minutes.
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