AI/ML Credit Score for MSMEs
The AI/ML-driven credit ranking system assesses MSMEs by analyzing Financials, GST, bank statements, and Income Tax returns to generate a risk score from 1 (low risk) to 10 (high risk). It predicts the probability of an MSME becoming a Non-Performing Asset (NPA) within 12 months, delivering lenders an objective, data-driven risk assessment for faster and more confident credit decisions.
key features
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Enhanced Risk Differentiation Capability
AI-powered MSME Rank reviews MSME credit profiles comprehensively, providing an objective credit rank for decision-making for financial institutions. -
Scoring the Un-scored
Leverages alternative data such as bank statements, IT returns, and GST filings, to accurately assess New-to-Credit (NTC) MSMEs previously excluded from formal lending channels due to no credit history. -
Accelerated Digital Lending Adoption
Streamlines loan processing and facilitates straight-through processing journeys, significantly reducing loan decision and disbursement times while enhancing operational efficiency for MSMEs. - Proactive Default Prediction
The AI-based model serves as a comprehensive risk assessment tool for credit decisions and contributes to the credit risk policies of lenders, enhancing their overall credit decision-making process. - Wider Dataset, Sharper Risk Differentiation
Wider dataset can be used to provide necessary learnings to create AI models which can provide sharper risk analysis.