Multi-Bureau Data Ingestion
Consent-driven ingestion from CIBIL, Experian, Equifax, and CRIF. Raw tradeline, enquiry, and DPD data is normalized into a unified credit feature vector.
The Financial GPS for India's Credit SystemFirst in India
ATMO Score Boost API
The first credit API that turns scores from verdicts about the past into forecasts of the future. Embed forward-looking score deltas next to every product in your app — pre-approved loans, card upgrades, top-ups, settlements — so users finally see what each financial decision does to their credit identity before they commit.
Trained on 550K Indian credit users · 10M sample-months of bureau data · 92% backtest accuracy.
Past Bureau Performance Prediction
Predict the Past Before Projecting the Future
Before recommending any action, ATMO first proves it understands the user. The model ingests bureau data and predicts the user's historical score trajectory purely from tradeline features — validating its behavioral understanding.
Only when past bureau performance prediction accuracy exceeds our confidence threshold does the model proceed to generate forward projections. Every recommendation is grounded in validated understanding — not generic heuristics.
Model Accuracy by Version
v1.0
69%
v2.0
84%
v3.0
92%
v3.0 currently live · Trained in-house on Indian bureau data
- Actual Bureau Score
- Model Predicted Score
Past Performance: Predicted vs Actual
10-month validation window · Single user sample
10-month validation window · Single user sample
v3.0 Live92% Acc.
Projection demo
Personalized Score Projection
Every user gets a unique projection. The model identifies 50+ actionable levers from their bureau data and projects the best achievable score at 3, 6, and 9 month intervals.
Current Score
680
680
Per User50+Actionable levers identified
Projection3/6/9 mo.Temporal impact horizons
ModelProprietaryTrained in-house on Indian bureau data
First in India
The only model in India that validates past bureau performance prediction before generating forward score projections. Proprietary, trained in-house.
Model Pipeline
Model Pipeline
End-to-end inference pipeline from raw bureau data to personalized, time-bound score improvement plans. Every output is unique to the user.
Past Bureau Performance Prediction
The model predicts the user's historical score trajectory purely from tradeline features — validating its understanding of their credit behavior before generating any forward projection. Currently at 92% accuracy (v3.0).
Action Discovery (50+ Signals)
Identifies 50+ actionable levers unique to each user — from utilization reduction and tradeline age optimization to dispute-eligible errors and strategic credit mix adjustments.
Temporal Impact Projection
Projects best achievable score at 3, 6, and 9 month intervals assuming positive actions are taken. Each projection is personalized — no two users get the same output.
Core Capabilities
Core Capabilities
Purpose-built for India's multi-bureau credit ecosystem. RBI-compliant. DPDP Act-ready. Fairness-audited.
Multi-Bureau Feature Fusion
Unified feature extraction across CIBIL, Experian, Equifax, and CRIF — resolving entity mismatches, duplicate tradelines, and reporting lag across bureaus.
Counterfactual Simulation Engine
Causal inference-driven "what-if" analysis that predicts exact score delta for any financial action before execution — with confidence intervals.
Interpretable Action Plans
SHAP-based explainability layer generates step-by-step, human-readable action plans ranked by predicted impact and effort.
Anomaly Detection & Auto-Dispute
Statistical anomaly detection flags reporting errors and inconsistencies across bureaus. Generates RBI-compliant dispute drafts automatically.
For Banks & Lenders
From Underwriting to Co-Piloting
For 50 years, banks have used credit data to underwrite users. ATMO flips that — the same data becomes a service banks render to users, not just about them.
Pre-Approved Offers That Convert
Show users "this loan will move your score by +35 in 6 months" next to every pre-approved offer. Frame credit as a building block — not a commitment in the dark.
Unlock the NTC Segment
Sell New-To-Credit users a small loan or secured card as a credit-building product — with a number attached to the promise. Solve the visibility problem at onboarding.
Smarter Card & Limit Decisions
Card limit increases, account closures, top-ups, foreclosures, settlements — every product moment becomes a co-pilot moment. Trust compounds across the relationship.
POST /v1/score-impactSample Response
{
"user_id": "u_8a3f...",
"action": {
"type": "personal_loan",
"amount": 500000,
"tenure_months": 36
},
"forecast": {
"score_delta_3m": +12,
"score_delta_6m": +35,
"score_delta_12m": +42,
"confidence": 0.91
},
"reasoning": [
{ "factor": "credit_mix", "impact": +18, "note": "First instalment trade adds breadth" },
{ "factor": "trade_age", "impact": +14, "note": "New active line increases avg age over time" },
{ "factor": "utilization","impact": +3, "note": "DTI rises but stays below threshold" }
],
"smarter_alternative": {
"tenure_months": 60,
"score_delta_6m": +47,
"rationale": "Lower EMI keeps DTI in healthier band"
}
}Build with ATMO
Integrate ATMO into Your Pipeline
Request API access for your lending platform, fintech app, or credit decisioning workflow.
Get Early AccessComing Soon