Portfolio monitoring in retail and MSME lending often fails quietly: repayment is still regular while GST filing frequency degrades or bureau utilisation spikes. The agent ingests the watch-list package each cycle and produces a qualitative deterioration narrative grounded only in the evidence supplied.
This is explicitly not a calibrated PD model. It is a scrutineer that helps risk teams prioritise relationship manager outreach before cash-flow stress shows up in EMI behaviour.
Signal bundles that work well
- Repayment tape + two bureau refreshes + latest GST returns.
- Account-level notes from collections appended as unstructured text.
- Peer-agent alerts from fraud or policy agents when connected on the message bus.