Digital Underwriting
Underwrite personal loans and BNPL products in real time using AI and alternate-data scoring no bureau dependency, no manual lag.
Algo 360 LP New F
Underwrite Smarter. Disburse Faster.
Scale Confidently.
Your lending app deserves more than legacy credit rules. Algo360 brings AI-driven underwriting to help you evaluate borrowers instantly, detect risks early, and personalize credit decisions all within your mobile journey.
See Algo360 in Action
40%
25%
<4 Wks
The Lending Challange
Your credit engine can’t afford delays, defaults, or data blind spots. In 2025, millions of thin-file borrowers remain invisible to credit bureaus but their digital footprints tell the real story. Algo360 helps your lending app decode alternate signals from transactions, devices, and behaviors to make instant, compliant, and intelligent credit decisions.
How Algo360 Works
Algo360 fuses AI, Regex, and NLP to extract real-world financial patterns from unstructured sources — helping you assess intent, ability, and stability with unmatched clarity.
Core Capability
What It Unlocks
SMS Intelligence
Parses 20+ financial activity types (loans, EMIs, UPI, BNPL, spends, insurance)
to build behavioral credit scores.
UPI & Spending Pattern Analysis
Evaluates payment frequency, categories, and volatility to detect repayment ability and cash-flow stress.
PAN & Multi-Loan Detection
Flags borrowers attempting parallel loan applications across lenders.
Alternate Credit Scoring
Creates a unified risk profile even for new-to-credit users.
Real-Time Risk Monitoring
Tracks evolving financial behavior post-disbursement for proactive risk management.
What You Can Do with Algo360?
Fraud & Delinquency Detection
Predict and prevent early delinquencies or fraud with behavioral intelligence built from SMS patterns, UPI trails, and spending signals.
Credit Lines for NTC & SE
Expand your reach to new-to-credit and self-employed borrowers by assessing intent, income stability, and repayment ability through digital behavior.
Embedded Lending
Power ecosystem lending and marketplace credit journeys with Algo360’s plug-and-play APIs for instant eligibility checks and credit offers.
Why Lenders Choose Algo360?
- ✓ India-native data expertise – built to decode SMS, UPI, and alternate signals unique to Indian borrowers.
- ✓ Regulation-aligned – fully compliant with Digital Lending Guidelines & DPDP Act.
- ✓ Seamless integration – plug-and-play APIs for underwriting, monitoring, and analytics.
- ✓ Proven results – deployed with leading NBFCs and banks; 40% faster decisions, 25% approval lift.
- ✓ Recognized innovation – Think360.ai is a Challenger in AIM Research’s Top Data Science Services PeMA Quadrant 2024.
Proof in Action
“With Algo360, we reduced underwriting turnaround by 40% and expanded our approval base without raising default risk.” — Chief Risk Officer, Leading NBFC
See the Future of Underwriting
Traditional data shows history.
Algo360 reveals financial reality in real time.
FAQ
How long does integration take?
Typically under 4 weeks, depending on your tech stack.
Is it compliant with RBI Digital Lending Guidelines?
Yes. Algo360 ensures complete data consent traceability and privacy alignment with DPDP Act.
Can it work for both salaried and self-employed borrowers?
Absolutely — Algo360 captures behavioral and transactional insights from diverse income types.
Let’s Redefine Underwriting Together
Algo360 isn’t another scoring engine.
It’s your data-driven partner to expand access, minimize risk, and grow lending with confidence.
