The Problem We Were Brought In To Solve
Delhi NBFC excluding 62% of creditworthy applicants (MSME, gig workers, rural) due to CIBIL-only scoring — missing a ₹340 Cr opportunity.
How Revino Delivered
ML alternative data scoring using GST returns, utility payment patterns, UPI transaction velocity, and bank statement cash flow. SHAP explainability for RBI compliance.
Measurable Business Impact
✓Default rate on new disbursements: -31%
✓Approval cycle: 14 days → 4 hours
✓Addressable market expanded 38% into thin-file segment
✓₹340 Cr incremental disbursements in Year 1
✓RBI review documentation automated and fully compliant
PythonXGBoostAWS SageMakerFastAPIPostgreSQLRBI API
KEY METRICS
-31%
Default rate
4 hrs
Approval time
+38%
Market expansion
₹340Cr
New AUM
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