Gen AI for Lending & NBFC Operations
Accelerate Lending, Reduce Risk, Enhance Collections. Transform your lending operations with AI-powered lead qualification, automated credit decisioning, intelligent document processing, and smart collection management that delivers faster turnaround and lower NPAs.
12+ Ways Gen AI Transforms Lending
From Lead Qualification to Collections, explore our comprehensive suite of RBI-compliant AI solutions.
Lead Qualification Assistant
Sales teams spend significant time manually reviewing incoming forms, application calls, and initial documents to assess the completeness and intent of a lead, slowing down the sales cycle.
Deep DiveDocument Intake & Classification
The onboarding process requires classifying and extracting data from various unstructured KYC documents, bank statements, and income proofs, demanding extensive manual data entry into the Loan Origination System (LOS).
Deep DiveCredit Memo Drafting Assistant
Credit analysts must manually compile and draft lengthy, structured credit memos that synthesize borrower information, risk analysis, and justification for the final lending decision, a process that is time-consuming and often inconsistent.
Deep DiveException & Deviation Summarizer
Loan exceptions and deviations from standard policy require significant effort to document, summarize, and escalate to senior management for approval, slowing down the decision process for complex cases.
Deep DiveCase Tracking Copilot
Tracking the movement of a loan file through various departments (sales, credit, legal, disbursement) relies on manual status updates, leading to poor visibility and delays going undetected.
Deep DiveRBI & Audit Assistant
Preparing for regulatory audits (like the RBI) and internal reviews requires dedicated staff to manually pull, log, and format data to demonstrate compliance across thousands of files.
Deep DiveLead Qualification Assistant
The Problem
Sales teams spend significant time manually reviewing incoming forms, application calls, and initial documents to assess the completeness and intent of a lead, slowing down the sales cycle.
AI analyzes forms, call transcripts, and submitted documents for completeness and intent. The AI flags missing fields, assesses lead seriousness, and routes qualified leads to the appropriate relationship manager.
Key Capabilities
- Form and document completeness analysis
- Call transcript intent assessment
- Missing field detection and alerts
- Lead scoring and prioritization
- Automated routing to relationship managers
Document Intake & Classification
The Problem
The onboarding process requires classifying and extracting data from various unstructured KYC documents, bank statements, and income proofs, demanding extensive manual data entry into the Loan Origination System (LOS).
AI extracts KYC, bank statement, and income data from documents into the LOS. It automatically classifies document types (e.g., PAN card, 3-month bank statement) and extracts key variables (e.g., average monthly balance, date of birth).
Key Capabilities
- Auto-classification of KYC documents
- Bank statement data extraction
- Income proof analysis
- Average monthly balance calculation
- Seamless LOS integration
Credit Memo Drafting Assistant
The Problem
Credit analysts must manually compile and draft lengthy, structured credit memos that synthesize borrower information, risk analysis, and justification for the final lending decision, a process that is time-consuming and often inconsistent.
AI drafts structured credit notes and approval memos using analyst inputs (e.g., risk rating, financial projections) and internal policy guidelines. The AI ensures all mandatory sections and compliance language are included.
Key Capabilities
- Automated credit memo generation
- Risk analysis synthesis
- Policy guideline compliance
- Mandatory section validation
- Consistent formatting and language
Exception & Deviation Summarizer
The Problem
Loan exceptions and deviations from standard policy require significant effort to document, summarize, and escalate to senior management for approval, slowing down the decision process for complex cases.
AI summarizes deviations and complex escalation notes from the analyst's input into a concise, actionable format for management review. The AI highlights the key risks and mitigating factors of the exception.
Key Capabilities
- Deviation summary generation
- Risk factor highlighting
- Mitigating factor identification
- Escalation note formatting
- Management-ready presentation
Case Tracking Copilot
The Problem
Tracking the movement of a loan file through various departments (sales, credit, legal, disbursement) relies on manual status updates, leading to poor visibility and delays going undetected.
AI tracks file movement and flags bottlenecks by analyzing workflow logs and communication patterns. The AI can identify where files are stalled (e.g., 'Legal review queue time is 48% higher than average').
Key Capabilities
- Real-time file tracking across departments
- Bottleneck detection and alerts
- Queue time analysis
- Delay prediction and prevention
- Workflow optimization insights
RBI & Audit Assistant
The Problem
Preparing for regulatory audits (like the RBI) and internal reviews requires dedicated staff to manually pull, log, and format data to demonstrate compliance across thousands of files.
AI prepares audit-ready logs and automated responses to auditor queries by querying internal systems and formatting data according to regulatory requirements.
Key Capabilities
- Automated audit log preparation
- Regulatory data formatting
- Auditor query response generation
- Compliance evidence compilation
- Cross-system data aggregation
Reconciliation Assistant
The Problem
Matching transactions—disbursements made, customer repayments received, and corresponding bank credits—is a high-volume, repetitive task that requires meticulous manual checking, leading to potential leakage.
AI matches disbursements, repayments, and bank credits across multiple systems and ledgers. The AI identifies and flags any discrepancies or mismatches for manual review.
Key Capabilities
- Multi-system transaction matching
- Disbursement-repayment reconciliation
- Bank credit verification
- Discrepancy detection and flagging
- Daily and monthly closing automation
Construction Progress Tracker
The Problem
For construction loans, accurately determining the stage of progress (e.g., foundation, slab) to approve the next loan tranche relies on subjective, sporadic site visits and manual reports by field officers.
AI analyzes site images and videos uploaded by field officers/customers to objectively identify the construction stage (like foundation, plinth, slab, brickwork, finishing) using computer vision models.
Key Capabilities
- AI-powered image/video analysis
- Construction stage identification
- Progress percentage calculation
- Fraud detection in site photos
- Geotagging verification
Tranche Eligibility Assistant
The Problem
Once the construction stage is verified, an employee must manually compare the detected stage against the approved disbursement milestones in the loan agreement to confirm eligibility for the next tranche.
AI maps the detected construction stage against approved disbursement milestones in the system and highlights readiness for release based on pre-defined rules.
Key Capabilities
- Milestone mapping automation
- Eligibility rule validation
- Tranche readiness assessment
- Covenant compliance checking
- Release recommendation generation
Progress Report Generator
The Problem
Generating official inspection and progress reports after a site visit is a manual documentation task that consumes field officer time and often lacks consistent formatting and evidence.
AI auto-generates inspection and progress reports by combining the AI-verified stage, field officer's voice notes, and geotagged image evidence into a consistent, finalized PDF document.
Key Capabilities
- Automated report generation
- Voice note transcription and integration
- Geotagged image embedding
- Consistent PDF formatting
- Digital signature integration
Voice-based Collection Notes
The Problem
Field collection officers spend valuable time after a client visit manually writing up or typing their notes, client commitment details, and next steps into the collection system.
AI converts spoken field notes into structured entries mapped to the collection system fields. The officer can speak naturally, and the AI extracts key details (e.g., 'client promised payment by 15th').
Key Capabilities
- Voice-to-text transcription
- Commitment detail extraction
- Payment promise date identification
- Collection system field mapping
- Multi-language support
EMI & Account Query Assistant
The Problem
The customer service team's call volume is dominated by high-frequency, low-complexity queries about EMI dates, account balances, and the No Objection Certificate (NOC) process.
AI handles balance, EMI dates, NOC process requests, and common account queries via automated chat and voice channels (IVR). The AI can access and convey sensitive account data securely.
Key Capabilities
- EMI date and amount inquiries
- Account balance queries
- NOC process guidance
- Payment history retrieval
- Multi-channel support (chat, voice, IVR)
Regulatory & Compliance Hub
Our Gen AI architecture is built from the ground up to meet the strictest RBI and lending regulatory standards.
RBI Guidelines for NBFCs
Fair lending practices, disclosure requirements, and customer protection standards.
Transparent AI decision-making, automated disclosure generation, and complaint tracking.
RBI KYC/AML Norms
Customer due diligence, ongoing monitoring, and suspicious transaction reporting.
AI-powered KYC verification, transaction monitoring, and automated STR generation.
Data Protection (DPDP Act)
Personal data protection, consent management, and data subject rights.
Built-in consent management, data encryption, and automated data request handling.
SOC 2 Type II
Security, availability, processing integrity, confidentiality, and privacy controls.
Enterprise-grade security, continuous monitoring, and documented audit trails.
Proven Lending Results
Loan Origination Transformation
Construction Finance Automation
Collection Efficiency Improvement
Udayakumar Murugan
Subject Matter Expert – Gen AI
Founder & Director
20+ Years of Enterprise AI Excellence
Our lending AI solutions are developed by a team with deep domain expertise, combining decades of enterprise software experience with cutting-edge Generative AI capabilities.
ISO 27001 Certified
Global Presence
Ready to Transform Lending Operations?
Schedule a demo with our NBFC AI team to see Loan Origination and Collection Automation in action.