Decision-support agents that compress turnaround time while improving consistency, accuracy, and auditability across every file.
Document AI agentAutomated + analyst reviewed
OCR, Classification & Data Extraction
Processes bank statements, ITRs, GST returns, financials, and KYC documents. Extracts, normalises, and validates data - then feeds structured outputs directly into underwriting models without manual re-keying.
What it delivers
- ✓Extracts financial data in 90 seconds vs 20 minutes manual
- ✓Achieves 95%+ accuracy on structured extraction
- ✓Auto-classification and checklist mapping
- ✓Structured data ready for underwriting models instantly
Sub-agents inside: Bank Statement Parser, ITR Extractor, GST Returns Parser, KYC Verifier, Document Classifier
Connects to: Document storage, LOS, NSDL / GST portal, KYC providers
Financial analysis agentFully automated
Cashflow & Income Underwriting (AI BRE + Insights)
Analyses bank statements, GST returns, and financials to derive income, volatility, surrogate cashflows, and repayment capacity. Detects anomalies like spikes and circular transactions before the file reaches an underwriter. The AI BRE and Insights Agent at the core of this bundle are live in the LendingIQ Sandbox today.
What it delivers
- ✓Analyses bank statements in 2 minutes vs 45 minutes manual
- ✓Detects 80%+ of anomalies before analyst review
- ✓Consistent financial assessment across every single file
Sub-agents inside: AI BRE (rules engine), Insights Agent, Cashflow Analyser, Income Volatility Detector, Anomaly Detection Agent, Repayment Capacity Estimator
Connects to: Bank statement parsers, GST systems, LOS
Voice + AI-assisted agentHuman + AI assisted
Structured Borrower Interview (PD Agent)
Conducts guided borrower personal discussions (PDs) via voice or assisted UI. Captures qualitative signals - intent, business stability, cash flow behaviour - and converts them into structured risk inputs for the credit stack. The PD Question Agent and PD Voice Agent that power this bundle are live in the LendingIQ Sandbox today; a Reference Call Agent is coming soon.
What it delivers
- ✓Standardises PD turnaround to 5 minutes per call
- ✓Reduces PD re-dos by 20–25%
- ✓Behavioural and intent signals fed directly into underwriting
Sub-agents inside: PD Question Agent, PD Voice Agent, Intent Scoring Agent, Business Stability Assessor, Reference Call Agent (coming soon)
Connects to: LOS, CRM, voice systems, underwriting tools
Document AI agentAutomated, analyst-reviewed
Credit Memo Drafting
Synthesises CIBIL data, PD inputs, financials, and collateral into a structured, policy-aligned credit memo. Underwriters edit and approve rather than write from scratch - every draft is versioned for audit.
What it delivers
- ✓Generates memo drafts in 4 minutes vs 90 minutes manual
- ✓Reduces memo turnaround by 60%
- ✓Uniform credit narrative across all underwriters
- ✓Full version control and audit trail on every draft
Sub-agents inside: Memo Drafter, Policy Citation Agent, Collateral Summary Agent, Risk Narrative Agent, Version Control Agent
Connects to: LOS, CIBIL / Experian India, policy corpus
Risk + fraud agentAutomated + human escalation
Early Fraud & Risk Detection
Identifies inconsistencies across documents, bureau data, and transaction history before underwriting begins. Flags synthetic identities, document tampering, and circular fund flows - upstream of any human review.
What it delivers
- ✓Flags fraud signals 100% upstream of underwriter review
- ✓Reduces fraud leakage by 15–20%
- ✓Cross-source validation - income vs bank vs GST
- ✓Risk score fed into underwriting before review begins
Sub-agents inside: Document Tamper Detection, Synthetic Identity Detector, Circular Flow Analyser, Cross-Source Validator, Fraud Escalation Agent
Connects to: Bureau, document AI, transaction data, LOS
