Risk Engine

Intelligence that makes lendingeasysimpleprofitableeasysimpleprofitable

Some risks may be worth taking, but when it comes to lending, we believe in playing it safe.

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Millions of Datasets

Highly
Accurate Decisions

Very High Predictability

Making lending precise and profitable
with the power of deep learning

Artificial Intelligence engines

that leverage real-time cash-flow data, identify risky borrowers, and improve collection efficiency by 50%

Machine Learning models

trained on billions of data points to generate highly precise credit assessment

Predictive Analytics

that automate decision making, predict and prevent delinquencies, and reduce drop-offs by up to 60% on a portfolio

Big Data capabilities

that evolve at scale for each contextual use-case and deliver insights that come from deep learning and 16 million new-to-credit (NTC) personas

Lending is all about decisions.
We liberate it from human-error.

MSME Credit

Accurately assess borrowers using alternate data such as payments, cash flows, business accounts to assess creditworthiness

Business loans

Rely on our comprehensively benchmarked proprietary data connectors to evaluate borrowers

Personal loans

Get a borrower’s holistic financial background via a neural AI/ML engine that is trained on 16 million individual borrowers across billions of data point

Consumer durables and sachetized credit

Offset the risk of a collateral-free credit through guardrails-oriented originations with deep intelligence and decision science to back up credit decisions

Work with us
to experience the
benefits of…

that assesses a variety of financial transactions to generate a FinBox Inclusion Score (built on 5000+ parameters trained on largest New-To-Credit customer base in India)

Hear more from our clients

FinBox’s proven artificial intelligence and machine learning-powered underwriting capability enables us to extend credit even to MSMEs with thin-to-no credit history. We are launching multiple new-age credit products for the retailer and MSME space through the FinBox Embedded Finance Platform.

Sanjeev Srivastava

Chief Risk Officer,
IIFL

FinBox's credit risk model and its full suite of underwriting technology enables us to serve a much wider customer base, which would be difficult to lend to otherwise.

Ondrej Chochola

Chief Data Officer,
Homecredit India

FinBox’s proven artificial intelligence and machine learning-powered underwriting capability enables us to extend credit even to MSMEs with thin-to-no credit history. We are launching multiple new-age credit products for the retailer and MSME space through the FinBox Embedded Finance Platform.

Sanjeev Srivastava

Chief Risk Officer,
IIFL

FinBox's credit risk model and its full suite of underwriting technology enables us to serve a much wider customer base, which would be difficult to lend to otherwise.

Ondrej Chochola

Chief Data Officer,
Homecredit India

FinBox’s proven artificial intelligence and machine learning-powered underwriting capability enables us to extend credit even to MSMEs with thin-to-no credit history. We are launching multiple new-age credit products for the retailer and MSME space through the FinBox Embedded Finance Platform.

Sanjeev Srivastava

Chief Risk Officer,
IIFL

FinBox's credit risk model and its full suite of underwriting technology enables us to serve a much wider customer base, which would be difficult to lend to otherwise.

Ondrej Chochola

Chief Data Officer,
Homecredit India

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