Investor Presentaiton
16
Risk and Data Science Backed Centralized Underwriting
APTUS
Risk Management
Tech -
Intervention
Centralized
Processing
✓50 + key data
points are
collected for
Customer Profile
Analysis
✓ Stage-wise
disbursement
through technical
visits
Multiple touch
points to ensure
thorough
verification in
underwriting
process
✓ Tech enabled
evaluation of
customers with 100+
data points
✓ Integration of credit
score card with lending
application for easier
credit evaluation
✓ Analyzing profiles
behaviour for
continuous
improvement of
parameters through
machine learning for
Better & Faster credit
decisioning
✓ Consistency in
underwriting with
expertise in state-
wise analysis
along with
linguistic skills
Effective training,
knowledge sharing
and monitoring
process
Quick adoption to
process change
Loans approved
within 72 hrs
> 90 %
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