Investor Presentaiton
Risk & Data science backed Centralized underwriting
11
Risk Management
Tech Intervention
Centralized
Processing
25+ data points are
collected for Customer
Profile Analysis
• Stage-wise
disbursement through
technical visits
Multiple touch points to
ensure thorough
verification in
underwriting process
More than 100 data
points captured for
evaluation of every
customers
• 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 %
Q1 FY 23 Investor Presentation
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