Credit Decisioning

Being a credit risk manager is tough. In India, there are four major bureaus and information gleaned from them can differ - even for the same borrowers! Addressing this challenge head-on is FinBox…

As the tide turns for housing finance companies, automation technology takes centre stage

The RBI seems to have been successful in its goal of reining in the growth of unsecured credit. Most FinTechs have tie-ups with banks and NBFCs to fund their small ticket offerings, but it looks like top-down tightening will temper their expansion.

Why Small Finance Banks need an agile business rules engine to sustain their distinctive business model

With a circular that sent shockwaves across the industry, the RBI on Thursday mandated that unsecured credit products will now attract higher risk weights - who will trip up, and how much will we slow down?

Income estimation stands as the bedrock of credit underwriting, a decisive metric empowering lenders to make informed lending decisions. It gauges repayment capacity, allowing financial institution…

A competitive edge for lenders: The role of an advanced rules engine in ONDC

Credit bureaus are lenders' first source of truth. However, the true worth of the credit bureau data heavily relies on the breadth and depth of the information and its ability to create value for u…

Hello everyone, Welcome to the 79th edition of The Pattern, a weekly newsletter where we bring you the

Automated bank statement analysis enables income estimation when underwriting users for digital platforms. Income estimation and classification are straightforward in the case of salaried borrowers…

A guide to Canary and Champion/Challenger strategies for credit decision automation

Hi everyone, Welcome to the 66th edition of The Pattern, a weekly newsletter where we unpack the latest