AI-POWERED CREDIT RISK & FRAUD DEFENSE

Institutional Risk & Decisioning with Predictive Signals

Identify non-performing assets before they occur. TechMave Risk unites traditional bureau telemetry, Account Aggregator cash flows, alternate device heuristics, and neural fraud models into a unified decision matrix.

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34% Reduction in First-Payment Default (FPD)

99.4% Synthetic Identity Detection Rate

4x Multi-Bureau Aggregation Coverage

60 Days Early Delinquency Lead-Time

MULTI-DIMENSIONAL ASSESSMENT

Beyond Standard Bureau Scoring

Standard credit scores only tell you what happened in the past. TechMave combines backward-looking credit histories with forward-looking transaction velocity, cash flow volatility, and identity consistency.

Multi-Bureau Synthesis

Simultaneously ingest and deduplicate records across TransUnion CIBIL, Experian, Equifax, and CRIF High Mark to detect recent loan stacking, inquiry velocity spikes, and hidden overdue lines.

Instant multi-bureau deduplication
Inquiry surge & loan shopping alerts
Historical DPD & settlement flag detection

Alternate Data & Cash Flow Analytics

Ingest live bank statements through the Account Aggregator (AA) ecosystem, GST returns, and merchant payment gateway volumes to assess actual operating liquidity and cash health.

Automated circular transaction identification
EOD balance volatility & bounce frequency
Customer concentration risk in SME portfolios

Fraud & Identity Tamper Shield

Detect synthetic identity clusters, application farm bot traffic, forged PAN/Aadhaar cards, and cross-lender fraud rings using device fingerprinting and behavioral biometrics.

Device emulator, VPN & root detection
Facial liveness & deepfake video kyc checks
Shared bank account & phone number network graph

PORTFOLIO INTELLIGENCE

Continuous Post-Disbursal Early Warning System (EWS)

Risk management doesn't stop at sanction. Continuously monitor live loan books for early stress indicators before loans slip into SMA-0, SMA-1, or NPA classifications.

Real-Time Behavioral Monitoring

Track shifts in borrower behavior including sudden salary drops, new external inquiries at high-interest microfinance lenders, recurring ECS/NACH bounce patterns, and sudden depletion in average monthly balances.

Automated SMA-0 to SMA-2 classification triggers
External bureau refresh schedules (30/60/90 days)
High-risk cohort alerts sent to special handling desks

Scenario Modeling & Macro Stress Testing

Simulate macro-economic shocks—such as benchmark interest rate hikes, sector-specific slowdowns (e.g. real estate, retail MSME), or regional disruptions—to project expected credit loss (ECL) under IFRS 9 and RBI guidelines.

IFRS 9 / Ind AS 109 staging automation (Stage 1, 2, 3)
Probability of Default (PD) and Loss Given Default (LGD) curves
Capital adequacy ratio (CAR) sensitivity calculations

Connected Ecosystem

Explore the Complete LendingOS Platform

Each product functions seamlessly as a standalone microservice or deeply integrates across your end-to-end credit lifecycle.

Origination

Loan Origination Loan Origination System

Instant credit underwriting & paperless onboarding

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Servicing

Loan Management Loan Management System

Multi-rail accounting, repayments & collections

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Decisioning

Business Rules Engine Business Rules Engine

Zero-code policy automation & real-time credit scoring

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Intelligence Current Solution

Credit Risk Credit Risk & Intelligence

Multi-bureau fraud signals & portfolio surveillance

Active Page

Distribution

DSA Management DSA & Partner Distribution

Channel management, lead tracking & automated payouts

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Gateway

API Hub Financial API Infrastructure

100+ plug-and-play banking, bureau & payment APIs

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