Underwriting, re-engineered for Bharat.

LendOS unifies fraud detection, credit scoring, LLM narratives, and NBFC operations into one production-grade platform — so every lender can ship explainable, RBI-compliant credit decisions in under 5 seconds.

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Decision latency: < 5s
Fraud signals: 40+
Bureaus integrated: 3
Compliance: 100%

Everything an NBFC needs, in one platform

From the very first KYC tap to the last EMI collection — production-grade, observable, RBI-ready.

6-Layer Fraud Engine

Identity · Documents · Behaviour · Network · Stacking · Income — sub-second risk verdict per applicant.

850-pt Credit Scorecard

Indian-market scorecard with dynamic pricing slabs, FOIR-aware DTI checks, and Tier 1–5 risk bands.

LLM Decision Narrative

Claude-powered RBI-compliant credit officer narrative with strengths, concerns, and KFS-ready conditions.

Early Warning System

Post-disbursal NPA prediction from AA bank signals. Rank-ordered actions before the first DPD.

Fraud Intelligence Network

Cross-NBFC blacklist and stacking signals — shared risk graph that protects every lender on the platform.

Vernacular Voice Journey

Tamil/Hindi voice flow via Sarvam AI — zero-friction loan applications for Bharat.

Regulatory Reporting

Auto-generated NBS-1, NBS-2, ALM, and KFS — RBI returns shipped on a button click.

BNPL & SME-aware

Multi-product underwriting — personal, salary advance, BNPL, and SME — with merchant-tier risk.

Built like infrastructure, not a SaaS dashboard.

LendOS is a production fintech stack: async FastAPI, PostgreSQL with full audit trails, Celery-driven EWS scans, MinIO-encrypted KYC storage, Prometheus + Grafana telemetry, and a Claude-powered explainability layer for every credit decision.

Sub-5s decisioning — Fraud · Credit · LLM in a single pipeline
Explainable AI — SHAP + LLM narrative for every approval/rejection
Multi-tenant — Per-NBFC slabs, products, and risk appetite
Cross-NBFC graph — Shared blacklist & loan-stacking detection
RBI-compliant — DPDP, KFS, NBS-1/2, ALM out-of-the-box

POST /api/v1/applications/

→ FraudEngine.run_full_check()      [<2s]
   ├─ L1 Identity      • PAN/Aadhaar match · liveness
   ├─ L2 Documents     • OCR · metadata · forgery
   ├─ L3 Behaviour     • bot · paste · VPN · device
   ├─ L4 Network       • cross-NBFC stacking
   ├─ L5 Bureau        • DPD · enquiries · writeoff
   └─ L6 Income        • bank-stmt vs payslip vs EPFO

→ CreditScoringEngine.score()        [<100ms]
   └─ 850-pt scorecard → Tier 1-5 → dynamic rate

→ Anthropic Claude Sonnet            [<3s]
   └─ RBI-compliant officer narrative

← 200 OK
   "decision": "AUTO_APPROVE",
   "rate": 14.2, "emi": 9281,
   "borrower_explanation": "Approved due to..."

Production-grade by default

Async Python · type-safe TS · battle-tested infra.

FastAPI

PostgreSQL

Redis

Celery

XGBoost

SHAP

Anthropic

Sarvam AI

Next.js 14

Tailwind

Recharts

Prometheus

Spin up your NBFC underwriting in minutes.

Self-hosted, multi-tenant, and shipped with everything an Indian NBFC needs to go live — including reg reports.

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