Read Less.
Lend More.
AI-powered underwriting that reads every document, scores every risk, and delivers a decision-ready summary — so your officers spend their time on judgment, not paperwork.
Current Situation
Loan officers spend three to five days reviewing each application — 200+ pages of ITRs, bank statements, and salary slips per file. Cash-flow analysis is manual, risk flags get missed under fatigue, and the file either piles up or gets approved on instinct.
The cost isn’t just turnaround time. It’s applications that drop off because the customer found a faster lender, officers who burn out doing low-judgement work, and a portfolio whose risk patterns nobody has the time to actually see.
What Riskwise Does
RiskWise reads every document the moment it’s uploaded, extracts every financial detail, scores creditworthiness, flags risks, and emails a structured underwriting summary to your loan officer — in hours, not days. Your officers stop reading. They start deciding.
Automated Financial Extraction
Every line item from ITRs, bank statements, and salary slips extracted accurately — income, obligations, recurring transactions — without manual data entry or transcription errors.
Creditworthiness Scoring
Income stability, debt patterns, cash-flow consistency, and repayment behaviour analysed across all submitted documents to produce a defensible creditworthiness score.
Intelligent Risk Flagging
Income mismatches, unusual transaction patterns, affordability gaps, and document inconsistencies surfaced before the officer opens the file — with citations back to the source document.
Decision-Ready Summaries
A one-page underwriting summary delivered to the officer’s inbox — key ratios, risk narrative, recommendation — structured to be acted on in minutes, not hours.
HOW IT WORKS
Applicant documents land in Amazon S3 through your existing onboarding channel. Amazon Textract extracts every financial field across ITRs, bank statements, and salary slips. Amazon Bedrock analyses cash-flow, scores creditworthiness, and flags risks. AWS Lambda orchestrates the pipeline and emails a structured underwriting summary to the loan officer — within hours of submission. No manual reading. No two-week file queue. No instinct-based approvals.
Amazon S3
Call recordings land in Amazon S3 the moment they are uploaded.
Amazon Transcribe
Amazon Transcribe converts the audio into accurate, speaker-attributed text.
Amazon Comprehend
Amazon Comprehend analyses sentiment, intent, and key entities across the conversation.
AWS Lambda
AWS Lambda orchestrates the pipeline and delivers a structured report within seconds of the call ending.
Why It Holds Up
Deployed in your AWS account
RiskWise runs inside your own AWS environment. Applicant data never leaves your infrastructure.
Data resident in AWS Mumbai
All documents, extractions, and underwriting summaries processed and stored in the AWS Mumbai region, meeting data localisation requirements under Indian regulations.
Citations to source documents
Every claim in the underwriting summary traces back to the line and page in the source document — so officers can verify the AI in one click and never approve on a number they can’t see.
API-first integration
Connects to your existing Loan Origination System or onboarding stack via API. No rip-and-replace, no parallel workflow for the credit team to maintain.
Officer-in-the-loop by design
RiskWise produces a recommendation, not a decision. The officer reviews, adjusts, and approves — keeping accountability and credit policy where they belong.
BUILT FOR
Credit and risk leaders at NBFCs, digital lenders, housing finance companies, and banks running high-volume personal, business, or secured lending —
where loan TAT, portfolio quality, and officer productivity are non-negotiable.
