Founder
Arya Chudasama
An AI credit analyst that carries context through every stage of credit due diligence: pre-call, live on the borrower call, and after, applying your credit underwriting rules in real time instead of transcribing after the fact.
Ingests the CIM (Confidential Information Memorandum), prior filings and your open credit questions so it walks in already knowing the story and what still needs answering.
Tests each claim against your rules as it is said, surfaces the follow-up while management is still on the line, and flags what stays unquantified.
Produces a defensible, sourced summary mapped to your IC (Investment Committee) template, every flag and implication carried straight through.
Notes get written up after the fact. Context is reconstructed from memory, the sharp follow-up never gets asked, and the record is only as good as who was in the room.
Context is carried live. Every claim is reasoned against your rules as it's said, the follow-up is surfaced on the call, and a defensible record writes itself as you go.
A borrower brings a loan or facility request to the credit desk. The analyst runs the call on Underwriter AI, and every answer is questioned, checked and sourced on the way to committee.
It thinks in covenants, leverage and cash conversion, not words per minute. Transcription is table stakes; judgment is the point.
The unasked follow-up, the number that was dodged, the claim that quietly contradicts the last call, surfaced, not lost.
Every conclusion is sourced back to what was actually said, so the memo holds up in committee and in review.
It's AI decision-support for credit risk assessment with a human in the loop, never an autonomous decision-maker. Here's exactly what it does today and what's next.
Credit data is sensitive, and we treat it that way. Here is how deployment, data handling and the regulatory posture work, so your risk and compliance teams have their answers up front.
Underwriter AI is built to run inside your own environment, not on a shared multi-tenant service. Model inference uses AWS Bedrock, where inputs are not retained and not used to train models, and a region-pinned mode keeps processing inside a chosen region. No MNPI has to leave your control.
Inference runs on Bedrock with no retention and no training on your inputs. Region-pinning is available for data-residency requirements, and product demos use only synthetic data.
Every question, answer, flag and confidence score is hash-chained (SHA-256) to the record before it, so altering any row breaks the chain. It is shaped for SEBI's structured-digital-database expectations.
A deterministic rule layer runs before the model, and low-confidence findings are surfaced for analyst judgment rather than asserted. Nothing the product outputs approves, prices or declines a deal.
We deploy as material technology outsourcing under IFSCA / RBI, and treat DPDP Act duties as pre-deployment work. Enterprise controls such as access control, tenant isolation and redaction are in progress; we would run a supervised sandbox pilot before production.
Founder
Arya Chudasama
Engineer
Jay Dobariya
Researcher
Harsh Rao
Engineer
Vrushti Somaiya
Strategy
Jignesh Thakkar
From 650+ applicants to one of 12 teams in the GIFT City residency, in partnership with IFSCA.
Read article → Credit underwritingHow AI is changing credit underwriting, what it should never do, and how to evaluate a tool.
Read article → Due diligenceFair vs aggressive adjustments, red flags, and a worked 7.0x to 8.5x leverage example.
Read article → IC memoA section-by-section IC memo template with a pre-submission checklist.
Read article →An AI credit analyst assists the human underwriter during credit due diligence. Underwriter AI reads the CIM and filings, surfaces questions live on the borrower call, checks answers against the documents and drafts the IC memo, so the credit decision is faster and better sourced.
No. It is decision-support with a human in the loop. It surfaces reasoning and questions faster; a qualified analyst still owns every credit decision.
Your rules are encoded and applied in real time. It tests each claim against them rather than against a generic model of what a call should contain.
Built for institutional use. Data stays scoped to your workflow with a human-reviewed audit trail. Deeper compliance export is on the near-term roadmap.
No added latency to the call itself. Analysis runs alongside and surfaces to the analyst, not to the room.
Yes. It is built to deploy inside your perimeter rather than on a shared service. Inference runs on AWS Bedrock with no retention and no training on your inputs, and a region-pinned mode keeps data in a chosen region.
No MNPI has to leave your control. We use Bedrock precisely because inputs are not retained or used for training, and today's demos run only on synthetic data.
A deterministic rule layer filters every statement first, with no AI, and narrows each moment to a handful of relevant rules. Only that small subset goes to the model, which must return a structured result. Less AI surface, more control and auditability.
Every finding carries a confidence score, and low-confidence items are shown for analyst judgment rather than asserted. Nothing it outputs approves, prices or declines a deal; a qualified human always decides.
Bring a live deal or a recent recorded call. We run it through and show you exactly where the reasoning holds and where it flags.
Bring a live deal or a recent call. We'll run it through and show you where the reasoning holds, and where it flags.
Discuss a pilot