Microfinance CreditVision® Algorithms

India’s microfinance ecosystem continues to expand enabling millions of borrowers to access formal credit through Banks, NBFC-MFIs, NBFCs, and SFBs.

As borrowers increasingly engage with multiple lenders, financial institutions must not only manage rising exposure and evolving risk dynamics but also identify the right borrowers for responsible and sustainable growth.

Traditional credit bureau reports provide a static snapshot of borrower credit history, which may not capture behavioural changes over time. To address this, Microfinance CreditVision Algorithms leverage trended bureau data to uncover behavioural credit insights, enabling lenders to better assess the borrower’s credit risk, identify responsible lending opportunities and strengthen decision-making.

Powered by historical trended bureau data , these algorithms analyze borrower behaviour patterns such as credit risk, credit hungriness, repayment, utilization and delinquency trends.

Product Applications: 

• Credit underwriting
  Make informed approval and pricing decisions by identifying and onboarding better microfinance borrowers
• Portfolio Management
  Detect early stress while identifying opportunities for responsible business growth
• Custom Analytics
  Key enabler in building tailored solutions around borrower profiles and product offerings