Anuvaad enables faster, data-driven decisions at your decision desk. We process the report, interpret the score, the delinquencies and the enquiry trail, and hand back a decision — approve, refer or decline — with every flag that led there.
We turn data into an approve, refer or decline call — using policy rules you define plus score bands, repayment history and product-specific thresholds.
Portfolio-level views of delinquency trends, over-leverage and early-warning signals pulled straight from your credit data refresh cycles, so risk teams act before default.
From integration onboarding to sandbox testing and go-live, our team works directly with your engineers so it ships in days, not months.
We retrieve the required report on your behalf using the data sources already integrated into your lending workflow.
Loan accounts, DPD history, enquiry trail and score are parsed into one consistent structure, regardless of which source or format the raw file arrived in.
Every account is checked against your policy — write-offs, settlements, over-leverage, enquiry velocity — and tagged with the exact flag that applies.
Approve, refer or decline, returned in under 300ms, with the flags and score that produced it — ready for your loan origination system.
Personal, consumer durable and gold loans decided at the speed your DSAs disburse.
Instant credit lines and BNPL decisions that hold up to audit, not just to speed.
Shared underwriting logic across partners, with a single decision and audit trail for every file.
High-volume, low-ticket approvals held to the same policy rigor as your largest accounts.
No data pull happens without recorded applicant consent, timestamped and stored against every decision we return.
Reports and derived scores are encrypted end-to-end. Raw data is never persisted longer than your policy requires.
Every flag, score band and rule that contributed to a decision is logged, so your compliance team can reconstruct any file on request.
We'll run a no-obligation pilot against your existing policy, side by side with your current process, so you can compare decisions before switching anything over.