Interoperable Credit Assessment Model (i-CAM)

i-CAM enhances fully digital credit underwriting experience for loans up to ₹5 crore, leveraging advanced data analytics and automated workflows. By integrating GST, banking, and bureau data, i-CAM ensures objective, efficient, and transparent credit assessments. The platform accelerates loan processing and enhances risk management, while upholding regulatory compliance. With i-CAM, institutions can confidently scale MSME lending while maintaining operational excellence and robust governance.

key features

Plug & Play Model
i-CAM works as a plug & play digital model with integrated OPL API Manager (OAM+), enabling ready-to-use interfaces with different data sources.
End to End Digital Journeys
Delivers fully automated, STP-based loan processing—from sourcing to disbursement—for new, renewal, or enhanced facilities, significantly reducing turnaround times.
Customizable CAM
A customizable Business Rule Engine-based credit assessment model, aligned with the bank's criteria for both new-to-bank and existing borrowers.
Precise Outcomes
Automated credit assessments minimize manual errors, ensuring reliable, consistent results that support compliance and prudent lending decisions.
Objective Credit Decisioning
Utilizes advanced algorithms to assess transactional behavior and credit history, delivering unbiased and data-driven credit decisions.
Scalability & IT Security
Designed for scalability within a robust, highly secure environment, to support growing business needs.

For seamless integration of the i-CAM and to elevate your bank’s MSME lending experience, schedule a demo today.