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Lending intelligence66% reduction in TAT

The credit officer's second brain.

A modular suite for the loan origination lifecycle — from intake and statement parsing to CAM generation, deviation handling and verification. Configured to your policy, your format, your tier structure.

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Lending Intelligence/LN-20417 · Loan against property
Processing

  1. Classify the loan file

    Artha · 5 files

    working_

  2. Parse 12 months of statements

    Statement Analyser

  3. Resolve parties

    Artha · party mapping

  4. Check against credit policy

    Policy book v3.2

  5. Compose CAM in your format

    CAM Generation

  6. Credit officer QC

    Human review

  7. Push to LOS

    REST + webhook

0/7 steps · deviation flags + policy citations3 weeks of review → 40-min QC

01 · In the suite

Six modules, one origination flow.

Adopt the whole suite or drop a single module into your existing LOS. Every module is API-first and self-hostable.

Generation01

CAM generation

Compose Credit Approval Memos in your bank's exact format, with deviation flags and inline policy citations.

  • Your template, your tiers
  • Clause-level citations
  • Human-in-the-loop QC
Analysis02

Statement analyser

12 months of bank statements parsed in under 60 seconds — cash-flow, recurring obligations, anomalies.

  • Multi-bank ingestion
  • Round-tripping detection
  • Salary regularity
Profile03

Applicant 360°

Every signal, covenant and prior decision on one screen, with a recommendation and a full decision trail.

  • Bureau + income score
  • Policy-fit scoring
  • Audit timeline
Verification04

Video PD

Hold the personal discussion over video instead of a field visit — identity and address verified, the call analysed, a standard report attached to the CAM.

  • Face + address match
  • Geotag + GPS lock
  • Call analysis, auto-report
Knowledge05

Policy chat

Underwriters ask, Newron answers — sourced from your policy book with page-level references.

  • Sourced answers
  • Pre-fills deviations
  • Always current
Controls06

Deviation engine

Detects, classifies and routes deviations against your credit policy and tier override matrix.

  • Tiered overrides
  • Reason codes
  • Maker-checker

02 · Coverage

Built for the products you actually originate.

Pre-trained on Indian commercial and consumer credit. New products onboard in days, not quarters.

Commercial6 products

  • Loan against property
  • Overdraft
  • Gold loan
  • Equipment finance
  • Revenue-based finance
  • Line of credit

Consumer6 products

  • Home loan
  • Auto loan
  • Loan against securities
  • Personal loan
  • Education loan
  • Credit card

What credit teams see in production

66%

Reduction in TAT

200%

Productivity uplift

230k+

Hours saved

03 · How it fits

From application to decision-ready.

Newron sits between your LOS and your credit committee — automating the mechanical work so officers spend time on judgement.

STEP 01

Intake from your LOS

Application, KYC and bureau pulled automatically the moment a file is created.

STEP 02

Statement & document analysis

Bank statements, ITRs and GST returns parsed; anomalies and obligations surfaced.

STEP 03

CAM drafted in your format

Sections written with citations; deviations flagged against your policy book.

STEP 04

Verification & remediation

Personal discussion held over video and attached; missing artefacts requested before review.

STEP 05

Officer review & decision

A clean recommendation with a complete, exportable audit trail.

“Newron’s AI CAM engine replaced weeks of human review with a 40-minute QC step. Our credit officers stopped reformatting Excel and went back to actual underwriting.”

Arun V · Head of Product, Aditya Birla Capital (ABCL)

04 · Questions

Common questions.

  • Does it work with our existing LOS?

    Yes. Newron is API-first with REST + webhook surfaces and drops into your loan origination system without replacing it. Most integrations are live within a quarter.

  • Where does our data live?

    Wherever you need it to. Newron self-hosts on your VPC, on-premise, or fully air-gapped. Your engineers keep the keys; compliance gets a complete audit trail.

  • Can it follow our credit policy exactly?

    The suite is configured to your policy book, formats and tier override matrix. Deviations are detected and routed against your own rules, not generic ones.

  • What about model accuracy?

    On the tasks we train for, our custom models score on par with frontier systems in our own evaluations, at a fraction of the inference cost — and every output is sourced and reviewable.

Get started

See Newron on your own credit files.

We'll spin up a sandboxed instance against a slice of your data and deliver a working pilot with eval numbers your team can trust.

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