System Operational
Explainable
Credit Risk Engine
For India
Alternative-data lending for thin-file borrowers with SHAP explainability and RBI-compliant decision transparency.
Live Model InferenceProcessing
Alternative Data Extractor
Assessing capability over history
UPI Transactions
Income Proxy, Cluster Consistency, Savings Buffer
Direct behavior signal
Network Centrality
Eigenvector Centrality across trusted merchant nodes
Social Proof
SMS Parsing
ADB, Cash Flow Stress (NSF Frequency), Time-to-Zero
Virtual Ledger
Affordability Index
Income vs Rent/Utility/EMI ratio, Bill Latency
Willingness to pay
Architecture Grid
Alternative Data Intelligence
Processes localized datasets including utility payments, digital footprints, and geospatial risk mapping.
Fair LightGBM Models
Gradient boosting machines calibrated for monotonic constraints to prevent algorithmic bias.
SHAP Explainability
Game-theoretic contribution mapping translating complex predictions into actionable reason codes.
RBI & DPDP Compliance
Strict data localization, immutable audit trails, and privacy-preserving inference pipelines.
Feature Extraction Vector
- income_proxy+0.15
- stability_index+0.12
- affordability_index+0.08
- nsf_frequency-0.18
- network_centrality+0.05
- bill_latency-0.1
- digital_intensity+0.07
Explainability Waterfall AnalysisSHAP Vector Space
Base Score
420
Final Probability
83.5% Approved
Example Counterfactual (Paths to Approval)
Reduce `bill_latency` by 2 days to cross 85% probability threshold.
Compliance Integrity
- Immutable Audit TrailsEvery automated decision recorded for regulatory review.
- Data Localization100% processing confined to India-based VPCs.
- Consent LedgerDPDP-compliant tracking of borrower data access.
Offline-First PWA
Offline Mode Active
ServiceWorker StateActivated / Intercepting
IndexedDB StorageSyncQueue (3 items pending)
Background SyncAwaiting Connectivity...
// Ensures uninterrupted application onboarding in tier-3 environments.