“AI-powered credit scrutiny is now possible at scale without compromising accuracy,” says Perfios CPO B Krishna Chaitanya
Bengaluru, NFAPost: Bengaluru-based B2B SaaS TechFin major Perfios has launched CAM AI, an artificial intelligence-powered credit underwriting platform designed to cut underwriting time by up to 85% and double loan processing capacity for banks and non-banking financial companies (NBFCs).
Positioned for complex credit assessments, CAM AI compresses what was once a multi-day process into just a few hours. Leveraging Perfios’ proprietary AI/ML models, generative AI stack, and agentic algorithms, the platform autonomously extracts, interprets, and reconciles data across financial documents in real time—turning traditional underwriting into a high-speed, audit-ready process.
“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,” said B Krishna Chaitanya, Chief Product Officer at Perfios. “CAM AI now performs this level of expert credit scrutiny autonomously and at scale, delivering expert-level analysis without compromising accuracy.”
Tackling SME Bottlenecks
In traditional workflows, high-value loans—such as business loans, home loans, and loans against property—require senior credit analysts to manually assess GST filings, bank statements, and financial ratios. This labour-intensive process often delays capital access for small and medium enterprises (SMEs), where speed is critical to sustaining business operations.
CAM AI addresses these bottlenecks head-on, replacing weeks of manual effort with hours of automated intelligence. The platform not only generates Credit Assessment Memos in real time but also embeds credit policies, delivering policy-aligned, explainable risk assessments. Every decision is backed by source-level traceability, a feature designed to meet the stringent compliance requirements of regulated financial services.
Built for Regulated Environments
“We’ve architected CAM AI specifically for the demands of regulated financial environments,” said Sumit Nigam, Chief Technology Officer at Perfios. “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.”
Rapid Market Adoption
Already deployed across 50+ institutions in India, Southeast Asia, and the Middle East & North Africa (MENA) region, CAM AI processes over five million transactions per month. By integrating into Perfios’ broader tech stack, the solution transforms legacy lending workflows into GenAI-first decisioning engines. Even junior analysts can operate with the precision of seasoned credit veterans, ensuring consistency, speed, and scalability across lending teams.
This launch follows Perfios’ recent unveiling of its GenAI-powered intelligence stack—four integrated solutions designed to boost operational productivity in the BFSI sector by up to three times.
About Perfios
Founded in 2008, Perfios serves over 1,000 financial institutions in 18 countries, delivering 8.2 billion data points annually to accelerate credit access and decision-making. Headquartered in Bengaluru, with offices worldwide, Perfios offers over 75 products and platforms, supported by more than 500 APIs, positioning itself as a comprehensive, end-to-end technology partner for the global BFSI industry.
