31% more approvals
Mid-size NBFC, personal loans
Alternative cash-flow signals let the credit team approve thin-file salaried applicants who failed a bureau-only cutoff, while keeping the modelled PD inside their risk appetite.
AI credit scoring and credit risk AI for modern lenders
RiskIQ AI scores borrowers on bureau, financial, banking and alternative data and returns an explainable risk score, a probability-of-default estimate and a documented recommendation for analyst review.
- Explainable 0–1000 AI credit score with per-factor contributions
- 12-month probability-of-default estimate and A1–D risk band
- Alternative data for thin-file, gig and self-employed borrowers
- Bank statement analysis into income stability and cash-flow signals
- Bureau connectors that auto-populate credit scores into assessments
- Audit trail, model versioning and reproducible historical decisions
Case studies
Illustrative outcomes from pilot deployments of AI credit scoring with Indian credit teams.
9 min average review
Fintech lender, MSME working capital
Statement extraction plus factor-level explanations cut the manual spreadsheet review of business banking data from over an hour to under ten minutes per file.
100% auditable files
Digital lending platform
Every score is stored with its model version, weights and PD ranges, so the risk committee can reproduce any historical decision during audit and review.
Talk to our team
Tell us about your portfolio and we'll walk you through scoring, explainability and deployment.