Our Technology Stack
The proprietary lending engine - Myra
The Dhanvarsha proprietary lending engine Myra captures the
user at the very beginning of
the loan process. This engine assesses the customer based upon
key proprietary parameters and churns a bespoke solution.
The AI Based Advisory Risk Engine - Aira
Aira is our proprietary artificial intelligence
based business robot. A vast number of API integrations allow the robot to pull data
from third parties. For unstructured data, we leverage Natural Language Processing
engine to identify the subject and assess it by the machine learning (ML) engine to
check if it stands relevant to our larger risk engine.
Using behavioral science, earning patterns, financial spending etc.
the engine effectively uses 1,000 plus data points to determine patterns of the
customer and then adds the traditional credit rating and risk analysis together to
frame a report to establish the users repayment ability. The engine then takes in
KYC data, GST Data, and references to provide a final assessment on the applicant.
The engine also looks to provide sentiment indicators and fraud risk assessments
against each application.
Dhanvarsha LOS Solution
The web-based LOS system allows the Dhanvarsha Team to work closely
with the AI
engine to ensure applications are correctly processed in the minimum amount of
time. The web-based interface pulls data from Dhanvarsha’s database and services
like Credit Score,OCR analysis of bank statements and much more. The system allows
for the application to be approved
or rejected based upon the inputs of the AI engine and the officer assessing the
application.
Technology Empowering Business
Intelligence at Dhanvarsha
Data Analytics is heavily relied upon to help understand the
performance of various products and
its customers at Dhanvarsha. With the Business Intelligence tool, we can determine
key points such as:
- Portfolio Risk Analysis
- Cross Selling of Products
- Customer Segmentation
- Customer Churn Analysis
- Customer Behavior Analysis
- Product Pricing
With right insights into the data, the team is able to identify bottlenecks, loss of
revenue, and critical learnings about our services/products to consumers.
