Credit Intelligence
Building new ways to understand and improve creditworthiness beyond traditional scores.
Publications & Insights
Advancing Responsible AI for Financial Well-Being.
We publish, prototype, and deploy AI models that redefine how financial systems measure, predict, and improve credit health — ethically and transparently.
Conversational Agents
Designing multimodal agents that guide users in real time with financial empathy.
Responsible AI
Ensuring fairness, explainability, and compliance in every algorithmic decision.
Publications
Recent Work & Publications
Risk isn’t only who you lend to. It’s what you offer.
A credit score measures the borrower. Every loan is also an amount, a rate, a tenure and a product. Introducing Mentat, which predicts default risk across all of them, so lenders can price risk instead of guessing it.
Read PaperAlgorithmic Fairness in Indian Credit Markets
Analyzing bias in traditional scoring vs. alternative data models across 5 million records.
Read PaperAI Chat Will Become the Default Front Door to Finance
Why Plaid's prediction about conversational AI as the primary financial interface is already taking shape in India.
Read PaperVoice-First Financial Interfaces for Rural India
Designing speech recognition systems for Indian dialects in banking contexts.
Read PaperKnowledge hub
Open Knowledge, Shared Progress.
Access our datasets, whitepapers, and open-source tools.