LendingX Core Features
Agentic AI Powered Document & Data Intelligence Services for Comprehensive Credit Risk Assessment
360° Credit Intelligence
LendingX eliminates silos by unifying fragmented data—from bank statements and audited financials to GST filings and bureau reports—into a single, cohesive intelligence core.
Acquisition & Growth
Stop guessing who needs a loan. LendingX’s modular scoring ecosystem evaluates behavioral data to predict future credit needs.
Definitive Underwriting
By synthesizing asset backing, revenue growth, and repayment history, the Agentic AI generates a high-precision Loan Approval Score for instant, definitive underwriting
Lifecycle Management
LendingX monitors portfolio health with an Early Warning Score that catches deterioration long before a default occurs. Our Collection Score predicts the probability of total recovery
Modular & Flexible
LendingX offers a highly flexible deployment architecture. Whether you need a headless API (Data as a Service), a modern UI layer (Frontend as a Service), or a complete out-of-the-box End-to-End Suite (Software as a Service)
LendingX – Information & Scores
AI-Driven Extraction and Predictive Risk Intelligence
Data
Secure ingestion of structured and unstructured data across systems
AI Agents
GenAl intelligently fetches and validates required details from ingested data and documents
Format Agnostic
Supports .pdf, .xlsx, and ZIP folders containing varied unstructured data
Outcome
Significantly reduced manual effort and faster turnaround time (TAT)
Triangulation
Values cross-referenced across multiple sources
Multi-Model Validation
Utilization of multiple LLMs for accuracy
Human-in-the-Loop
Seamless manual review for low-confidence data
Identity Confidence
Automated authenticity and liveness checks
Credit Decision
Risk models, bureau insights, and configurable policy rules
Composite Scoring
Evaluates creditworthiness using multiple risk models on bureau, banking, profile and financial data
Dynamic Configuration
Set eligibility rules and score cut-offs dynamically across different products and risk tiers
Simulation
Run ‘Approval Rate’ and ‘Bad Rate’ simulations to test policy changes before deployment
Dashboards
Consolidated views of onboarding activity, approvals, and risk metrics
Pipeline Health
Real-time tracking of volume and approval rates
Operational Efficiency
Granular tracking of every stage from onboarding to scoring
Executive Review
A consolidated view for informed business decisions
Enterprise Precision
Product Architecture: From Data to Decisions
Data
Unified data ingestion powered by AI sensors.
Data Connectors
Ai Data Sensors
Enterprise Precision
Intelligent scorecards and automated rule execution.
Scorecards
Rule Engine
Governance
Real-time oversight, alerts, and compliance control.
KPI Alerts & Triggers
Review & Simulation
Monitoring Dashboards
Service offerings
Choose the Layer That Fits
Your Infrastructure
Implementation
- Backend API Integration with LOS/BRE
- Defined Input and Output Schema
Use Cases
- Information extraction from documents, audios & videos
- Profile Score for Identity Fraud
- Credit Risk Scores on Bureau, Financial and Banking information
- Lead Qualification & Propensity Scores
USPs
- Quick Implementation
- Suited for FIs with existing LOS/BRE
- Information accuracy & TAT reduction
Implementation
- Backend & Frontend API Integration with LOS/BRE & Frontend Applications
- Customized UX and IJI
Use Cases
- Data +
- Data verification screens
- Customized Repots
USPs
- Enhances UX of frontend applications
- Minimal changes to existing
- User Interface
Implementation
- Independent Portal with user access control
- Backend API Integration with LOS/BRE
- Customized UX and IJI
Use Cases
- Data & Frontend +
- User Access Control
- Workflow management
- Monitoring Dashboards
USPs
- Suited for Fis with no or basic LOS/BRE
- Fully customized IJI screens and workflows as per Fl requirement
Use cases
Versatility Across the Lending Spectrum
LendingX delivers measurable results across the lending lifecycle by optimising funnels, improving underwriting, and managing collections.
Funnel Management
- Optimized lead distribution for improved funnel conversions and better yield
- Identify and prioritise high-conversion prospects with Lead Qualification models
- Optimise spend and performance across acquisition channels
Comprehensive UW Suite
- Composite Scorecards (Financial, Bureau, Application, Banking)
- 360-degree underwriting with approval rate and bad rate simulation
- KPI Monitoring Dashboards with GenAl chat query
Monitoring & Collections
- Early warning, Propensity and Collection ML Scores
- Collection Strategy focusing on Channels and resource optimization
- Cross-sell and Upsell opportunity identification
About DeetSDigital
Established in 2020, DeetsDigital offers end-to-end data analytics solutions and services to businesses belonging to the BFSI, Retail, FMCG, and Healthcare industries. Our focus has been to help companies understand the value of data analytics and AI, and to provide solutions that can improve their businesses.
As we strengthen our consulting business, we are now aiming to build products that matter. One of the products we built is LendingX – an off-the-shelf Gen AI-powered solution that automates the lending process from loan origination to collections.
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