CreditVidya offers an AI‑powered underwriting platform that converts consent‑based mobile data collected via a lightweight Android SDK into alternative credit profiles for first‑time or thin‑file borrowers. The system generates risk scores and instant loan decisions in under a minute and delivers them through secure REST APIs and webhooks that integrate with lenders’ loan‑origination workflows, with ISO 27001‑certified encryption and configurable risk thresholds.
Funding
Funding not disclosed
Founders
Product
Problem
Lenders often lack reliable credit signals for first‑time borrowers who have no or thin traditional credit histories, making it difficult to price risk and extend loans profitably.
Solution
CreditVidya delivers an AI‑driven underwriting platform that transforms unstructured mobile data into a comprehensive credit profile. An Android SDK embedded in a lender’s app collects consent‑based signals such as transactional SMS, installed app inventory, device metadata, location, and contact networks. These signals are processed by proprietary machine‑learning models to generate a risk score and instant loan decision in under a minute. The platform provides a secure, API‑based interface for lenders to retrieve scores, set custom risk thresholds, and integrate decisions into their existing loan‑origination workflows. End‑to‑end encryption, ISO 27001 certification, and privacy‑by‑design controls ensure data protection while expanding financial inclusion.
Target Audience
The primary customers are digital lenders, banks, and fintech platforms that need to underwrite first‑time or thin‑file borrowers at scale. Secondary users include micro‑finance institutions and NBFCs seeking data‑rich credit assessments for underserved segments.
Features
- Android SDK (~250 KB) that captures over 10,000 alternative data points with minimal impact on app performance.
- Real‑time credit scoring engine using deep‑learning models to produce risk scores and approval decisions in < 60 seconds.
- Consent‑driven data collection workflow with transparent permission screens and the ability for users to revoke access at any time.
- Secure data pipeline: on‑device encryption, TLS 1.2+ transmission, and encrypted storage meeting ISO 27001 standards.
- RESTful API and webhook integration for seamless embedding of scores into lender’s loan‑origination systems.
- Configurable risk thresholds, score weighting, and custom rule sets to align with each lender’s underwriting policies.
- Continuous model updates and monthly SDK releases with backward compatibility and detailed changelogs.
- Comprehensive audit logs and compliance reporting for regulatory oversight.