XPndAI builds AI systems for Indian NBFCs, digital lending companies, and fintech lenders — AI credit scoring and underwriting (alternative data, bureau integration), AI loan origination automation (document processing, KYC, disbursement), AI collections and recovery (multi-lingual voice AI in Hindi/regional languages, WhatsApp-first, RBI Fair Practices Code compliant), AI fraud detection (synthetic identity, loan stacking), AI portfolio monitoring, and AI regulatory reporting. For NBFC-ML, NBFC-MFI, P2P lending, and digital lending platforms under RBI Account Aggregator framework.
AI credit model beyond CIBIL: integrates bureau data (CIBIL, Experian, CRIF, Equifax) with alternative data sources — Account Aggregator financial data (bank statement analysis: income stability, expense patterns, existing EMI obligations), GST returns analysis for MSME borrowers, utility payment history, telecom data (with consent), and applicant self-reported data validation. AI risk score with explainability — SHAP values showing which factors drove the score. Custom model trained on your historical portfolio data. Improves approval rates for thin-file borrowers while maintaining portfolio NPA levels.
AI loan processing workflow: document extraction from Aadhaar, PAN, bank statements (salary slips, ITR, GST returns for business loans), income verification AI (reads bank statement and identifies salary credits, business receipts, EMI debits), KYC validation (Aadhaar XML verification, VKYC workflow support), and disbursement checklist automation. Reduces loan processing time from 3–7 days to same-day for standard profiles. Integrates with CERSAI, MCA, and credit bureau APIs. Supports FLDG (First Loss Default Guarantee) documentation for co-lending models.
AI voice collections in Hindi, Bhojpuri, Marathi, Bengali, Tamil, Telugu, Kannada — automated outbound calls to borrowers with overdue EMIs. Conversational AI: explains overdue amount, offers payment link (UPI/Paytm/PhonePe), captures promise-to-pay, and routes complex cases to human collector with call summary. RBI Fair Practices Code compliant — no harassment language, calling hours restriction (8am-7pm), no third-party disclosure. WhatsApp collection messages for digitally-engaged borrowers. Reduces cost per collection contact vs human call centre by 60–70%.
Lending fraud AI: synthetic identity detection (Aadhaar + PAN combination inconsistencies, address verification mismatch, mobile number age vs stated tenure), loan stacking detection (same borrower applying to multiple lenders simultaneously — detects via bureau inquiry velocity and device fingerprinting), income inflation detection (AI detects inconsistencies in bank statement vs stated income), document forgery indicators (AI reads document image quality, font consistency, metadata anomalies). Fraud score per application — auto-reject above threshold, flag for review at mid-range.
AI portfolio health monitoring: early warning signals on performing accounts (deteriorating repayment behaviour, increased bureau inquiries, business stress indicators for MSME loans), NPA prediction 60–90 days ahead of default, cohort vintage analysis (which loan vintages are underperforming), and concentration risk monitoring (sector, geography, ticket-size concentration). Collections strategy optimisation — AI recommends intervention type (call, WhatsApp, field visit) based on borrower segment and DPD bucket. Monthly portfolio review deck generated automatically.
NBFC regulatory reporting: RBI returns (DNBS-01, DNBS-02, DNBS-05 — quarterly and annual), SBR (Scale-Based Regulation) compliance monitoring, SARFAESI documentation support for large NPAs, credit bureau reporting (CIBIL/Experian monthly submission format preparation), and FPC (Fair Practice Code) compliance monitoring (call recording audit AI for collections calls — flags policy violations). Account Aggregator (AA) framework integration for data pull with borrower consent. Reduces compliance team workload by 40–60%.
RBI Fair Practices Code (FPC) for NBFC collections specifies: (1) Calling hours restricted to 8am–7pm; (2) No harassment, intimidation, or abusive language; (3) No disclosure of borrower's default to unauthorised third parties; (4) Borrower must be clearly identified before discussing the loan account. XPndAI's AI voice collections system is designed with FPC compliance as a core requirement: calling hour restriction is enforced at the dialler level (no calls outside permitted hours under any configuration), the AI voice script contains no harassment language (reviewed by your compliance officer before deployment), third-party call protection (AI immediately terminates if it cannot confirm the borrower's identity), and all calls are recorded with AI audit for FPC compliance violations — which is valuable for RBI supervisory inspections. The AI system includes a compliance dashboard showing FPC metric adherence per campaign per month.
Yes — Account Aggregator (AA) framework integration is one of XPndAI's NBFC specialisations. The AA framework allows RBI-licensed FIPs (Financial Information Providers — banks) to share borrower financial data with FIUs (Financial Information Users — NBFCs and lenders) with explicit borrower consent via AA-licensed entities (CAMS Finserv, OneMoney, Sahamati network members). XPndAI builds: (1) AA integration for data pull (API integration with your AA licence or white-label AA access); (2) Bank statement AI analysis (income identification, salary vs business income vs rental income, EMI burden calculation, cash flow stability scoring); (3) Integration with bureau data for combined credit score model; (4) Explainable output — SHAP-based explanation of what drove the credit decision, required for RBI's responsible AI in lending guidelines. Your legal and compliance team must ensure your AA integration is properly licensed — we support the technical implementation once the regulatory framework is confirmed.
Share your lender type, AUM, primary pain point (collections NPA, loan processing speed, fraud, compliance), and current tech stack. We'll scope the right AI solution.
XPndAI · NBFC & Lending AI Specialists · RBI FPC compliant design · Account Aggregator integration · Fixed price · Source code ownership · +91-9625368140