Machine Learning powered Credit Underwriting and Analytics
State of the Art Machine Learning Technology Platform
Scorecards that capture complex patterns in data
Tech that delivers upto 30% lower delinquency rates and 20% increase credit disbursals.
Used By
24
Banks & Financial Institutions
Including
3/6
Of the top private Indian banks
Processed
5.2M
Customer accounts (loans) and counting
Totalling
20.1B
USD Worth of Credit
Built on Monsoon's Proprietary AI Technology
Monsoon CreditTech’s technology is used by 24 lenders across a wide range of portfolios in the Retail lending and MSME lending spaces.
Some of the loan products supported in the Retail lending space are Consumer Durable loans, Personal loans, Four/Two -Wheeler loans, Home loans and Credit Cards.
Working Capital loans, Loans Against Property, Credit Lines and Term loans are supported in the MSME space.
Monsoon's AI technology leverages data to drive superior lending outcomes
Loan Underwriting Models
1) Lend upto 25% more
2) Lower delinquency rates by upto 30%
3) Reduce decisioning time by upto 50%
4) Boost portfolio profitability
Risk & Revenue Models
Monitor your loan portfolio to identify early warning signs of delinquency for prompt remedial action. Enhance revenue via up-sell/cross sell.
Utility Models & Engines
Leverage our specialized models to make workflows smoother through automation and intelligence. e.g. Income Estimation Models, Policy Optimization Engine
How our models are delivered
Built Into Your System
Integrate our models with your existing LOS/LMS systems for a seamless experience.
We can host our models on-premise or hand them over to you along with integration support.
(No data leaves your firewall)
On the Cloud
We expose a range of easy-to-integrate APIs hosted on the 3 major Cloud Providers.
We support both Containerized Architectures and Serverless Architectures.
(No PII leaves your firewall)
Bespoke Consulting
We can make use of varied data sets to build custom models for your unique needs.
We also provide a consulting layer to help you make the best sense out of the data and drive never-before-seen results.
Case Studies
MSME loan portfolio becomes more profitable
Monsoon CreditTech’s machine learning powered financial data based underwriting model helped reduce the delinquency rates of a leading private bank’s MSME portfolio by 24% while boosting portfolio LLANII by 62%
Retail loan portfolio sees improved asset quality
Monsoon CreditTech’s alternate data based underwriting models helped a Delhi based NBFC reduce loan delinquencies by 18% and increasing portfolio profitability by 42%
Personal loan portfolio gets a 44% boost
Monsoon CreditTech’s machine learning powered technology helped bring down the delinquency rates of a stressed personal loan portfolio of a leading FinTech company in North India by 44%
Want to see it in action?
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