The Credit Analyst
You Can't Afford
To Hire
BankLens AI ingests bank statements, computes 220+ financial signals, runs ML-powered risk scoring, and outputs a structured credit decision — in under 5 minutes. Built for India's NBFCs, DSAs, and Fintech lenders.
Built for India's lending ecosystem
How it works
Statement to decision
in three steps
Upload Statement
Drag-and-drop any bank statement — PDF (native, scanned, password-protected) or image. Supports top 40 Indian banks with dedicated parsers plus universal OCR fallback.
AI Analyses 220+ Signals
A 7-stage async pipeline extracts, OCR-processes, categorises via ML, and engineers 220+ financial features — income stability, EMI obligations, fraud signals, cash flow patterns.
Get Instant Decision
A 0–100 credit score, risk tier (A/B/C/D), APPROVE / REVIEW / REJECT recommendation, SHAP-based reason codes, 14-signal fraud report, and a downloadable CAM PDF.
Platform capabilities
Everything a credit team needs,
nothing it doesn't
Not a report tool. A decisioning engine. One platform for ingestion, analysis, scoring, fraud detection, and compliance.
Universal Document Ingestion
PDF, scanned images, password-protected statements, Account Aggregator JSON. 40+ Indian bank parsers (HDFC, ICICI, SBI, Kotak, Axis, PNB...) plus universal OCR fallback.
220+ Feature Engineering
Income stability, EMI obligations, cash flow seasonality, salary regularity (CV score), DTI ratio, overdraft frequency, balance trajectory — all computed and stored in a feature vector.
AI-Powered Credit Scoring
0–100 credit score with risk tier (A/B/C/D) and APPROVE / REVIEW / REJECT decision. 7-rule deterministic engine today; XGBoost ML model per portfolio in Phase 2.
14-Signal Fraud Detection
PDF integrity checks, round-number transaction patterns, salary velocity anomalies, overnight crediting, ghost employer signals, duplicate narrations — all auto-scored.
Explainable Decisions (SHAP)
Every decision backed by top positive and negative score contributors with plain-English reason codes. Full rule engine pass/fail table with thresholds vs actual values.
CAM Report Generation
One-click downloadable reports: Credit Assessment Memo (PDF), 1-page summary, Excel workbook with 220+ features, and machine-readable JSON — all RBI audit-trail ready.
Role-Based Access Control
Three roles — ANALYST, CREDIT_MANAGER, ADMIN — each with scoped views and actions. Immutable SHA-256 audit log on every decision event.
Multi-Bank Statement Fusion
Upload savings + current account statements from different banks for the same applicant. Application-level deduplication prevents double-counting overlapping transactions.
Real-Time Pipeline Status
Live 7-step processing tracker — UPLOAD → OCR → NLP → CATEGORISE → FEATURES → RULES → FRAUD — with per-stage progress, error recovery, and re-processing on demand.
Built. Not planned.
Every feature below is live, tested, and running. This isn't a roadmap — it's a production platform.
Ingestion Pipeline
- 7-stage async job pipeline with Redis distributed locking
- pdfplumber native parsing + pytesseract OCR with OpenCV preprocessing
- Password-protected PDF unlocking via pikepdf
- PNG / JPG image statement support (direct OCR)
- Multi-bank regex parser + balance-inference direction (Kotak, HDFC, SBI...)
Transaction Intelligence
- ML transaction categorisation (SALARY, EMI, UTILITIES, FOOD, TRANSFER...)
- Salary regularity score via coefficient of variation
- DTI ratio from EMI-tagged transaction aggregation
- Bounce & overdraft signal detection from narration text
- Application-level dedup (cross-statement content hash)
Credit Decision Engine
- 7-rule deterministic scoring engine outputting 0–100 points
- APPROVE / REVIEW / REJECT outcomes with tier (A / B / C / D)
- SHAP-style reason codes with contribution scores + positive/negative flags
- Manual override with full audit trail and role-gated justification
- Application lifecycle: DRAFT → SUBMITTED → PROCESSING → DECISIONED
Fraud Detection
- 14 fraud signal evaluators (round-number, velocity, overnight, ghost employer...)
- Per-signal severity: HIGH / MED / LOW with confidence scoring
- Transaction-level is_flagged stored in DB per row
- Fraud signal summary panel on decision dashboard
Decision Cockpit UI
- Credit score gauge, KPI cards, reason code bars
- Rule outcome pass/fail table with thresholds vs actual values
- Fraud signal cards with severity indicators and transaction counts
- Manual override modal with role-gated access (CREDIT_MANAGER+)
- Transaction explorer: search, category filter, pagination (50/page)
Platform & Compliance
- Multi-role RBAC (ANALYST / CREDIT_MANAGER / ADMIN)
- Immutable SHA-256 audit log on every action
- QStash job queue + Upstash Redis + PostgreSQL + pgvector
- GCS file storage with signed URL upload + dev fake-GCS
- DPDP Act 2023 consent capture on every application
The opportunity
Finance Buddha — Real Numbers
₹20L saved annually.
Payback in under a month.
Finance Buddha previously spent 525 analyst hours per month at ₹400/hr reviewing statements manually — ₹2.1L/month, every month. With BankLens AI, that drops to 60 hours + ₹18,000/month subscription.
Transparent pricing
Start small. Scale fast.
No setup fees. No per-seat pricing. Pay for what you process.
Starter
Pay-as-you-go for individual DSAs, CAs, loan agents, and audit firms.
- PDF & image statement upload
- All 220+ financial features
- Credit score + tier + decision
- 14-signal fraud detection
- Summary report download
- Up to 50 reports/month
- DPDP 2023 compliant
Professional
Unlimited reports for NBFC credit teams, DSA networks, and fintech lenders.
- Everything in Starter
- 500 reports/month included
- CAM PDF report generation
- Excel workbook export (220+ features)
- Multi-user access (up to 10 seats)
- REST API (1,000 calls/month)
- Immutable audit trail
- Priority email support
Enterprise
White-label, custom ML model trained on your portfolio, and dedicated SLA.
- Everything in Professional
- Unlimited reports
- Custom XGBoost ML model training
- White-label reports + custom branding
- Account Aggregator integration
- On-premise deployment option
- Rule engine admin UI
- 99.9% SLA + dedicated support
All plans include DPDP 2023 compliance · Immutable audit log · Role-based access control · No setup fee
Cut your TAT
by 80%
Join Finance Buddha and the growing network of NBFCs and DSAs using BankLens AI to underwrite faster, smarter, and with full auditability.
No login required in dev mode · Role switcher in top bar · No credit card needed