Banking & Lending
An explainable credit and fraud decisioning platform for banks and NBFCs, with human review and a complete audit trail.
In developmentThe problem
Lenders want to serve more borrowers — especially MSMEs and thin-file applicants — but manual underwriting is slow and expensive, document fraud is increasingly sophisticated, and any automated decision must be explainable to customers, auditors and regulators.
The solution
The platform combines consented data acquisition, document forensics, deterministic policy rules and interpretable machine-learning models in a single decision flow. Clear cases are decided automatically within confidence bands defined by your credit policy; everything else is routed to underwriters with the full evidence and explanation in front of them.
In detail
Gradient-boosted models trained on cash-flow, bureau and behavioural features provide a calibrated risk estimate. Models are selected for accuracy and interpretability on tabular credit data.
Fraud checks run before credit assessment. Deterministic rules catch known patterns within milliseconds; models and document forensics address the rest.
Credit and fraud risk are scored separately and combined by policy, so each can be governed, tuned and explained independently.
Credit policy is expressed as versioned rules with dual approval. Every decision records the policy version, model version and inputs used.
Borderline and high-risk cases are routed to a review workbench with prioritised queues, evidence views and mandatory rationale codes for every override.
An append-only, cryptographically verifiable record captures inputs, features, scores, reason codes, model versions and reviewer actions for each application.
Capabilities
Reason codes derived from feature contributions for every outcome.
Versioned, testable, dual-approved credit policy.
Detection of edited and fabricated financial documents.
Structured review for cases outside automation bands.
Protected attributes excluded and disparate impact monitored.
Registry, shadow deployment and drift monitoring.
Trust
Outcomes depend on each organisation’s data, products and processes. We do not publish accuracy or ROI figures without independently verifiable evidence.
FAQ
The platform is in active development. We are working with design partners and can deliver its components as tailored implementations today. Contact us to discuss a briefing or pilot.
Yes. The architecture supports deployment in a lender’s own cloud account to meet data-residency and control requirements.
Book a technical briefing with our team to discuss your lending products, data sources and decisioning requirements.