Lending & Banks
End-to-end verification, AI-powered risk intelligence, and DPDP-compliant consent — for credit-focused institutions that need to move fast and stay regulatory-clean.
One platform. Every capability
your team needs.
Instant Loan KYC Orchestration
Aadhaar eKYC, PAN verification, bank account check, and CIBIL pull in one orchestrated flow. Automatic failover ensures zero drop-off. Average go-live: 5 days.
Income & Employment Verification
EPFO passbook, ITR data, salary slip parsing, and bank statement analysis — parallelised. Cuts verification time by 60%.
NTC & Thin-File Underwriting
Score first-time borrowers invisible to bureaus using AI-powered alternate data signals. Expands approvals by 22% without adding portfolio risk.
AI Fraud Detection at Origination
Synthetic identity detection, loan stacking alerts, and device risk scoring catch fraud rings before disbursement. Consortium signals surface patterns invisible to any single lender.
Credit Consent for Bureau Pulls
Collect explicit, purpose-specific consent before bureau data access — with SHA-256 tamper-proof artefacts and full audit trail. RBI inspection-ready at any time.
RoPA & Data Governance
Map every loan-origination data field to its DPDP lawful basis. Auto-generate Records of Processing Activity. DSAR workflows handle customer data requests within the Act's timelines.
Better than bureau-only
lending decisions
| Capability | Bureau Only | Tenacio Sense |
|---|---|---|
| Coverage for thin-file / NTC borrowers | ✗ NTC rejection | ✓ Alternate data scoring |
| Contactability before outreach | ✗ Not available | ✓ Multi-channel reachability score |
| Fraud & authenticity scoring | ~ Watchlist only | ✓ Device + behaviour + network |
| Location & housing strata intelligence | ✗ Not available | ✓ India's best location layer |
| Post-BRE-rejection fraud signals | ✗ Not available | ✓ Multi-signal consistency checks |
| Collections contactability & skip tracing | ✗ Not available | ✓ Late-bucket recovery suite |
| Real-time API decisioning | ~ Batch only | ✓ Sub-second response |
Open new segments without
opening up new risk
Enrich every applicant profile so you can safely swap borderline customers in — and credit-risky customers out. Lenders use Sense to widen risk policy into new segments, and to extend higher offers to proven repeat borrowers.
Swap-In Borderline Customers
Rescue applicants who narrowly miss your credit cut-off. Alternate data, affluence, and stability signals surface repayment-capable borrowers the bureau score alone would reject.
Swap-Out Credit-Risky Customers
Identify applicants who look acceptable on the bureau but carry hidden risk — multiple active lending apps, risky fintech exposure, or instability signals — before you disburse.
Open Up Risk Policy Safely
Use enriched profiles to expand into new geographies, professions, and thin-file segments with confidence — testing new risk policy on real signals, not assumptions.
Higher Offers for Repeat Users
Reward proven repeat borrowers with higher loan offers and better terms, backed by affluence trajectory and behavioural signals that show growing creditworthiness over time.
A second line of defence,
after your BRE says no
Sense combines multiple independent fraud signals into one authenticity view. Lenders deploy it after BRE rejections to recover genuine customers and to catch fraud rings the rules engine misses.
Phone Number Consistency
Cross-check phone vintage, porting history, and ownership consistency against the applicant's claimed identity to expose freshly-minted or borrowed numbers.
Address Consistency
Validate whether the declared address aligns with digital, location, and delivery footprints — flagging mismatches typical of mule and synthetic applications.
Digital Footprint & Name Consistency
Assess breadth and coherence of the applicant's digital presence and whether the name matches across platforms, UPI handles, and linked accounts.
UPI-Linked Account Signals
Surface the network of UPI-linked bank accounts tied to a number — a powerful signal for detecting account layering and mule behaviour.
Telecom & Cyberfraud Flags
Screen against telecom-level risk indicators and known cyberfraud flags to catch applicants already associated with fraudulent activity.
Post-BRE Rejection Recovery
Re-score customers your BRE rejected: separate genuine thin-file borrowers from true fraud, and win back revenue lost to blunt rule-based cut-offs.
Reach the customers your
collections team can't find
A contactability and skip-tracing suite built for the late buckets — improving recovery, enabling legal notices to land, and powering field-based collections with fresh, accurate contact points.
Late-Bucket Contactability
Refresh reachability on delinquent accounts where your last-known number has gone cold — ranking the most-likely-to-connect channel for every borrower.
Skip Tracing Suite
Recover alternate phone numbers, addresses, and digital touchpoints for absconding or unreachable borrowers, enhancing recovery in the hardest buckets.
Legal Notice Delivery
Surface current, verified addresses so legal and demand notices actually reach the borrower — protecting the enforceability of your recovery process.
Field Collections Enablement
Equip field agents with accurate, location-verified contact points and address intelligence — cutting wasted visits and improving on-ground recovery rates.
How Tenacio AI makes lending
smarter at every step
Intelligent Vendor Selection
Our routing engine selects the optimal KYC vendor per call based on real-time success rates, latency, and cost — automatically failing over when any vendor degrades.
Alternate Credit Intelligence
ML models trained on Indian repayment data generate creditworthiness signals for NTC customers with Gini coefficients of 0.42–0.55. Continuously retrained on portfolio performance.
Early Warning System
Behavioural signals in your existing loan book surface stress indicators 6–8 weeks before a missed EMI. AI-driven intervention enables proactive collections without regulatory friction.
Heard from the people
who run these businesses
"We went from managing 7 different API vendors to one Tenacio integration. Our onboarding drop-off fell by 38% in the first month."
"Sense's alternate data signals expanded our NTC approvals by 22% without a single additional NPA. The model performance reports every month give us genuine confidence."
"Shield gave our compliance team audit-ready consent records for every bureau pull. Our last RBI inspection took half the time it used to."
Ready to transform lending operations?
Join 30+ lending institutions using Tenacio. 30-minute live demo, your specific use case.