Operational pilot · Version 1 committee structure
SME loan origination, provisioning and decision-making automation
Every application is captured permanently, prescreened against the credit bureau, rated through the layered notching framework and routed to the correct approval authority — with a complete, regulator-ready audit trail.
Bureau prescreening
Automatic ACB query, worst-of micro and individual rating, configurable score threshold, and no silent rejections.
Notching framework
Bureau anchor, business analysis notch, Altman Z notch for the Medium segment, capped at two notches with full lineage.
Risk-based routing
Exposure band, collateral coverage and final rating decide the assessor, the authority and the escalation path.