Predictive Engine
Know which accounts will slip—and when—before traditional metrics catch on.
Request a DemoHow It Works
Data Integration
Connect your loan management system, payment gateways, and external data sources. We handle the rest.
Feature Engineering
Our models analyze hundreds of signals: payment patterns, behavioral shifts, macroeconomic indicators, and more.
ML Prediction
Gradient boosting and neural networks generate stress propensity scores and timeline predictions.
Explainability
Every prediction comes with clear reasoning. SHAP values show which factors drive the risk score.
Key Features
Timeline Prediction
Forecast when an account is likely to become NPA—6 to 12 months in advance. Plan interventions proactively.
Stress Propensity Score
Account-level risk scores from 0-100. Prioritize your collections and recovery efforts efficiently.
Behavioral Analytics
Detect subtle changes in payment behavior, engagement patterns, and transaction velocity.
Model Monitoring
Continuous model performance tracking. Automatic retraining ensures accuracy over time.
Use Cases
Retail Lending
Identify personal loan and credit card accounts at risk. Intervene with restructuring offers before default.
Vehicle Finance
Predict which auto loans are likely to slip. Optimize repossession timing and recovery strategies.
MSME Lending
Monitor business loan portfolios for early signs of cash flow stress. Act before businesses fail.
See the Predictive Engine in Action
Request a walkthrough and see how we can transform your portfolio intelligence.
Schedule a Demo