Explainable 0–1000 scoring
A deterministic nine-factor rule engine returns the same score for the same inputs, with a per-factor contribution breakdown analysts can defend.
MVP prototype · AI-assisted assessment for analyst review
Alternative credit risk scoring built for Indian NBFCs and lending teams
RiskIQ AI turns borrower, bureau, financial and alternative data into an explainable 0–1000 risk score, a probability-of-default estimate and a documented recommendation — always presented for analyst review, never as an automated lending decision.
- 9
- Weighted scoring factors
- 0–1000
- Explainable score range
- A1 – D
- Risk bands with PD ranges
- 6
- Underwriting workflow stages
Everything a credit team needs to defend a decision
Deterministic scoring, transparent factor contributions and an audit trail on every status change and analyst note.
PD estimates & risk bands
Every assessment maps to bands A1 to D with a probability-of-default range, maximum recommended exposure and monitoring level.
Alternative data signals
Utility, rent, GST filing, digital payment and cash-flow consistency signals extend coverage to thin-file and self-employed borrowers.
Underwriting queue
Move cases through data review, risk assessment, analyst review and final recommendation with a complete audit trail.
Analyst-ready reports
Download a borrower risk report as PDF with score breakdown, risk factors, conditions and reviewer notes.
Reproducible & model-versioned
Weights, PD ranges and the model version are stored with each assessment, so historical decisions stay reproducible.
Pricing
Indicative prototype pricing. All tiers include the analyst-review disclaimer and full model reproducibility.
Pilot
Free
Prototype evaluation
- Up to 50 assessments
- Rule-engine scoring
- Portfolio & queue
- Single analyst seat
Credit team
₹49,000
per month
- Unlimited assessments
- Alternative data factors
- Model weight configuration
- Audit trail & PDF reports
- Up to 15 analyst seats
Enterprise NBFC
Custom
Annual contract
- External ML model API
- Custom risk bands & policies
- SSO and role controls
- Dedicated support
Assess your first borrower today
Create an account and explore the console with 22 fictional Indian demo borrowers already scored across every risk band.