Algo 360 LP
Underwriting in seconds –
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Algo360 transforms lending with AI-powered, alternate data insights – delivered fast, with full compliance.
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Clients
Why Algo360?
Unified Risk View
The Challenge: Risk data scattered across bureau, UPI, and device signals delays decisions.
Algo360 Delivers: One real-time risk view by unifying all consented data sources.
Impact: Faster, sharper lending decisions—no blind spots.
Minutes, not daysSmarter Risk Models
The Challenge: Legacy models miss repayment behavior, spending volatility, and income shifts.
Algo360 Delivers: Context-rich profiles that lift underwriting accuracy by 30-40%.
Impact: Underwriting that predicts risk before it becomes loss.
30-40% accuracyFaster Deployments
The Challenge: Risk model rollouts take months, slowing market response.
Algo360 Delivers: Deploy and adapt models 70% faster, live in under two weeks.
Impact: Real-time adaptability with no disruption to your core stack.
70% faster go-liveBusiness Outcomes
The Challenge: Growth often means trading off risk control or compliance.
Algo360 Delivers: More approvals, lower defaults, and regulator-friendly transparency.
Impact: Scalable growth with accuracy, speed, and trust built-in.
Scale with controlSMS Intelligence
Parses 20 + financial activity types — loans, EMIs, UPI, BNPL, spends — 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.
How It Works
Consent-based data parsing
Live extraction of transactional alerts, UPI, and bank signals.
AI risk augmentation
Enriches existing bureau models with alternate data.
AI risk augmentation
Enriches existing bureau models with alternate data.
Instant decisioning & monitoring
Sub-one-minute approvals with full transparency.
Real Results That Matter
Why Algo360 Over Others?
| Features | Algo360 | Other Providers |
|---|---|---|
| Transactional alerts & UPI-based alternate data | ✓ | ✗ |
| Consent-driven data flows | ✓ | Limited |
| Go live < 2 weeks | ✓ | Months |
| Explainable AI + audit trails | ✓ | Partial |
Trusted Credentials
Easy to Evaluate
See Algo360 in Action—No System Overhaul Required.
Get live demos of early warning signals, higher model accuracy, and friction-free journeys—all without replacing your core engine.
Book Your 15–Minute Demo
