AI Agent Profile · LendingIQ · Bengaluru

Co-Lending Ops Agent AI

Function: Co-Lending Ops ExecutiveInvoked via: co-lending operations pipeline — daily reconciliation batchRuntime: AWS Bedrock · ap-south-1Model: Claude Sonnet 4Context window: 200K tokens

DivisionGTM Sales

Resume

Agent specs

Agent TypeReconciliation + FLDG tracking + Co-lending reporting

InvocationDaily reconciliation batch · FLDG event · Monthly reporting

MemorySession-scoped; co-lending register and master agreement via RAG

Output FormatReconciliation report · FLDG tracker · Partner reporting pack

OversightCOO AI and human senior management own co-lending policy

Reasoning strengths

Bank-NBFC disbursement reconciliationStrong

FLDG utilisation trackingStrong

RBI co-lending ratio compliance checkStrong

Partner reporting pack generationGood

Co-lending credit decisionsCannot do

Live integrations

Master Co-Lending Agreement (RAG)Ratio obligations, FLDG terms, reporting requirements per partner

CBS — Disbursement and Repayment FeedAll co-lending account transactions

Partner Bank Data FeedBank's disbursement and repayment data for reconciliation

FLDG Trust AccountFLDG balance, utilisation events, and replenishment obligations

COO AI AgentOperational exceptions and ratio breaches escalated

RBI Co-Lending Guidelines (RAG)20:80 ratio, direct disbursal requirements

Escalation logic

AutoDaily disbursement and repayment reconciliation

AutoMonthly partner reporting pack

AutoFLDG utilisation update on each NPA event

FlagCo-lending ratio drift — NBFC share below 20%

FlagFLDG utilisation approaching replenishment threshold

FlagPartner data feed reconciliation gap — unmatched items

HumanRatio breach — COO AI and partner bank ops team

HumanFLDG replenishment — finance team authorisation

HumanPartner agreement amendment — senior management

What this agent does

The Co-Lending Ops Agent AI manages the operational backbone of LendingIQ's bank co-lending partnerships — reconciling each party's share of disbursements and repayments against the master co-lending agreement, tracking FLDG utilisation and replenishment obligations, and producing the operational reporting that the partner bank and LendingIQ's senior management require.

Primary functions

Bank-NBFC Reconciliation

Daily — all co-lending accounts

INVOKED WHEN: daily co-lending transaction data is available from CBS and the partner bank feed

Reads LendingIQ's CBS data and the partner bank's transaction data for every co-lending account and reconciles disbursements — confirming that each disbursement reflects the correct NBFC:bank ratio as specified in the master agreement (minimum 20% NBFC, maximum 80% bank), that the bank's share was disbursed directly to the borrower, and that the transaction timestamps align within the permitted window.
Reconciles repayments — where a borrower's EMI must be split between LendingIQ's share and the bank's share in the correct ratio, and both parties' books must reflect the split correctly. Misallocated repayments create interest calculation errors that compound over the loan's life.
Produces an unreconciled items report for any transaction where LendingIQ's CBS data and the partner bank's data do not agree — flagging the specific account, discrepancy amount, and likely cause.

Output: Daily reconciliation report — all accounts with match status, reconciled volume, and unreconciled items with discrepancy detail and root cause classification.

FLDG Tracking

Continuous — on NPA event and monthly review

INVOKED WHEN: an NPA event is recorded on a co-lending account or monthly FLDG review is due

Tracks the FLDG provided by LendingIQ to the partner bank — recording every NPA event that triggers FLDG utilisation, computing cumulative FLDG drawn and remaining headroom.
Flags when FLDG utilisation reaches the replenishment threshold specified in the master agreement — where LendingIQ is obligated to top up the FLDG to the original level. Failure to replenish on time is a contractual breach.
Computes the FLDG utilisation rate — actual losses as a percentage of FLDG committed — so management can assess whether the FLDG commitment is sized appropriately.

Output: FLDG tracker — current utilisation, remaining headroom, NPA events triggering utilisation, and replenishment obligation flag when threshold is approached.

Reporting

Monthly — partner bank and internal management

INVOKED WHEN: monthly reporting cycle is due

Produces the partner reporting pack — the operational report the co-lending master agreement requires LendingIQ to provide to the partner bank each month: portfolio outstanding by disbursement vintage, NPA rate, FLDG utilisation, repayment collection efficiency, and any exceptions.
Produces the internal management co-lending dashboard: portfolio volume by partner, yield on LendingIQ's share, FLDG cost as a percentage of yield, and comparison of co-lending NPA rates against LendingIQ's direct origination portfolio.

Output: Partner reporting pack in master agreement-prescribed format. Internal management dashboard — portfolio volume, yield, FLDG cost, NPA comparison.

Hard guardrails

Will notApprove co-lending cases or modify the co-lending ratio for any account.

Will notAmend the FLDG commitment or the co-lending master agreement.

Will notRelease FLDG replenishment payments. FLDG replenishment is a finance team payment authorisation.

Known limitations

Partner bank data feed quality and timeliness varies by partner.Where the partner feed is delayed, the reconciliation report will show apparent unreconciled items that resolve once the delayed feed arrives. Build a data feed latency SLA into the master agreement with each partner.

FLDG utilisation tracking depends on NPA classification accuracy.Where a co-lending account crosses the NPA threshold but classification is delayed, FLDG utilisation will be understated. Ensure the co-lending NPA classification cycle is synchronised with the FLDG tracking update cycle.

Important Reads

Learn more about how to deploy Co-Lending Ops Agent AI to your lending workflow.