AI Credit Intelligence

Lending decisions
at the speed of
intelligence

Pentoral unifies borrower data, risk models, and lending workflows into a single intelligent layer — so banks and lenders move faster with far less friction.

AI Risk Scoring
Document Intelligence
Explainable Decisions
Portfolio Monitoring
Request Demo Explore platform
Credit Assessment · Anjali S.
782/850
Excellent band · Personal loan ₹12L
38%
FOIR
0d
DPD
72%
LTV
Approved — standard terms
8.2s

Platform

Built for the
modern credit stack.

Pentoral is not a dashboard. It is a decision intelligence layer — purpose-built for credit officers, risk managers, and lending teams who need to be right the first time.

Suite A Underwriting Intelligence
PT–101 / 104
PT–101

Predictive Credit Engine

Ensemble ML models trained on real lending outcomes — calibrated for MSME, personal, and mortgage segments. Returns a full pillar-level breakdown in under 10 seconds.

Multi-pillar scoring Real-time 94% AUC
PT–102

Document Intelligence

OCR and NLP extraction for bank statements, salary slips, ITR, and GST returns. Flags manipulated documents and data anomalies automatically — no manual review required.

Fraud detection ITR / GST Bank statements
PT–103

Explainable Decisions

Every score carries a human-readable rationale, per-pillar breakdown, and full audit trail. Meets RBI and Basel III requirements out of the box — no additional compliance work.

RBI compliant Basel III Audit trail
PT–104

Policy Rule Engine

Build, version, and deploy custom credit policy rules alongside the AI engine — with A/B testing, champion-challenger mode, and instant rollback on any decision branch.

A/B testing Champion-challenger Instant rollback
Suite B Integration & Monitoring
PT–201 / 202
PT–201

Open API & LOS Integration

REST and webhook APIs with pre-built connectors for Finacle, BankingHub, and major LOS platforms. Full decisioning output in under 10 seconds. Go live in days, not months.

REST API Webhooks 50+ connectors
PT–202

Portfolio Monitoring

Track early warning signals, DPD drift, and vintage performance across your entire portfolio. Proactive alerts surface deteriorating accounts before they go NPA — at any scale.

EWS alerts DPD tracking Vintage analysis

Solutions

Across the
lending spectrum.

Whether you're a bank, NBFC, or embedded lender — Pentoral adapts to your segment, scale, and regulatory environment.

Retail Banking

Process thousands of personal and home loan applications daily with consistent, bias-free decisioning and full audit trails for regulators. No manual bottlenecks.
home loanspersonal creditauto finance

MSME & Business Lending

Assess cash-flow based creditworthiness for thin-file borrowers using GST, bank turnover, and sector benchmarks. No collateral required — just verifiable business signals.
gst-based scoringworking capitalthin-file

Digital & Fintech Lenders

Embed intelligent credit underwriting directly into your app via API. Sub-10-second decisions at 50,000 RPM — fully headless, fully documented, no lock-in.
api-firstsub-10s50k RPM

Embedded Finance

Enable BNPL, supply-chain finance, and POS credit for commerce platforms. Pentoral handles the risk engine end-to-end, so your platform stays focused on the product.
bnplsupply chainpos credit

Why Pentoral

Built for the
serious lender.

Pentoral is not a reporting tool. It is a decision intelligence layer — giving your credit teams the speed and confidence to act on every application without compromise.

Explainable AI — no black boxes

Every model output includes a full reasoning trace. Your analysts can understand, interrogate, and defend every recommendation to credit committees and regulators.

Alternative data signals

Pentoral synthesises beyond traditional financials — behavioural indicators, GST flow patterns, sector benchmarks, and bureau data combined in a single score.

Institutional-grade security

SOC 2 Type II compliant infrastructure. All client data is encrypted, siloed, and never used to train shared models. Your borrower intelligence stays yours.

Live scoring — not static reports

Scores update continuously as borrower conditions and market signals change. You are never making decisions on last quarter's intelligence.
PT–101 · Sample Output Live Model
78/100
Creditworthiness Score
CI: 74–82 · p=0.91
Financial Capacity
82
Repayment History
91
Sector Exposure
61
Intent Signals
74
Recommendation Approve — standard terms

Get Started

Ready to lend
with clarity?

Speak with a Pentoral analyst. We'll show you exactly what our models surface on a borrower profile of your choosing.

Request a Demo View all products