India’s lending ecosystem is undergoing a major transformation driven by the power of AI and innovative Credit Decisioning Engines that enable financial institutions to make faster, more accurate, and more adaptable credit decisions. These flexible BREs enable real-time decisioning, reduce time-to-deployment of credit policy changes, and seamlessly integrate alternative data sources to enrich risk analysis.

Traditional lending frameworks often rely on rigid policies and bureau scores, limiting access for millions of thin-file and new-to-credit (NTC) borrowers. The modern Credit BRE is changing this paradigm by allowing lenders to incorporate alternative data—including banking transactions, employment records, cash flow insights, GST data and digital footprints from Account Aggregators (AA). Paired with sophisticated machine-learning models, these technologies create a frictionless, real-time lending ecosystem that improves Approval rates while ensuring risk is well-managed.

This webinar will bring together industry leaders and credit risk experts to discuss how Credit Decisioning Engines, Alternative Data, Account Aggregators, and AI scoring models are redefining lending in India—enabling faster, more inclusive, and regulation-compliant credit decisions.
 

Key Takeaways:

• How AI-powered BREs drive adaptive lending strategies by instantly adjusting credit policies to new data, regulations, and borrower behavior.

• Using AI models, alternative data, and Account Aggregators to assess borrower creditworthiness beyond bureau scores.

• Automating underwriting at scale—reducing manual intervention, eliminating process bottlenecks, and accelerating loan approvals with customizable rule engines.

• How the ability to perform rapid Experimentation, A/B testing and simulations help improve Approval Rates, while reducing portfolio Default rates.