Perfios.ai, India’s leading B2B SaaS TechFin, has launched CAM AI, an AI-powered credit underwriting platform designed to reduce multi-day credit assessment processes by up to 85%.
The offering, which is set to transform lending operations, will enable banks and NBFCs to process up to twice as many loan applications with existing teams, accelerating decision-making without compromising accuracy or compliance, according to FF News.
Traditional underwriting for high-value loans—such as business loans, home loans, and loans against property—is slow and labour-intensive. Multi-day manual processes create bottlenecks that affect both lenders and borrowers, particularly SMEs who need timely access to capital. CAM AI addresses these challenges by compressing weeks of manual work into hours, dramatically improving throughput and operational efficiency.
The platform applies embedded credit policies to deliver policy-aligned, explainable risk assessments, maintaining traceability to every document and data source. By integrating seamlessly into existing workflows, CAM AI empowers junior analysts to operate at the level of senior credit experts, driving speed, consistency, and scalability across lending teams.
Leveraging domain-specific large language models (LLMs), RAG pipelines, and agentic algorithms, CAM AI autonomously extracts, interprets, and reconciles data across financial documents in real time. It transforms Credit Assessment Memo generation into an audit-ready, real-time workflow, replacing weeks of manual processing.
Deployed by more than 50 institutions across India, SEA, and MENA, CAM AI processes over 5 million transactions per month. Built for regulated financial environments, the system layers LLMs with specialized engines for financial calculations, document verification, and regulatory compliance. CAM AI is part of Perfios.ai’s broader GenAI intelligence stack, which includes four solutions that can boost operational productivity by up to 3x.
Perfios.ai continues to lead in transforming financial services with cutting-edge AI and ML solutions for banks, NBFCs, and other financial institutions, helping them achieve faster, more reliable, and highly scalable lending operations.
“Earlier, only a few hundred expert analysts had the skills to perform complex triangulation, like reconciling GST sales with bank deposits to flag collection issues, across thousands of loan applications,” Perfios.ai Chief Product Officer B Krishna Chaitanya said. “CAM AI now performs this level of expert credit scrutiny autonomously and at scale, delivering expert-level analysis without compromising accuracy.”
“We’ve architected CAM AI specifically for the demands of regulated financial environments,” Perfios.ai Chief Technology Officer Sumit Nigam said. “While we use large language models for advanced reasoning, we layer them with specialised engines for financial calculations, document verification, and regulatory compliance. Every insight is backed by source traceability, analysts can see exactly which document led to which conclusion. This hybrid approach delivers audit-ready reliability, analytical depth, and safeguards against the unpredictability of generic LLMs.”
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