Credit Intelligence Platform

YuSightCredit Decisioning inHours, Not Weeks

AI-powered Credit Assessment Memos from 25+ data sources. 8-dimensional analysis. 1,000+ data points. Bank-ready reports in under 2 hours.

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Trusted by 50+ Financial Institutions

<2 hrsFull CAM report
25+Data sources
99.8%Accuracy
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3×Faster decisioning
99.8%Data accuracy
50+FIs trust YuSight
1,000+Data points per CAM
<2 hrsFull CAM turnaround
25+Data sources
The Problem

Your credit team is buried
in data collection.

A single CAM for a mid-market borrower takes 5–20 working days. Manual collection, inconsistent analysis, and errors across branches — all costing you deals.

5–20 daysper CAM manually
6–10analysts per file
97%+quality variance between branches
3–5%manual error rate in financials
Deals lostto faster competitors

There's a better way.  ↓

How It Works

Four stages.
One unified pipeline.

From raw borrower identifiers to a formatted Credit Assessment Memo — the entire workflow automated in under 2 hours.

01Collect

Borrower onboarding triggers parallel API pulls from CIBIL, GST, ITR, MCA, AA framework, and uploaded documents — all in minutes.

25+ data source integrations
Consent-based AA bank data
Any format document upload
02Analyse

8-dimensional scoring across 1,000+ data points. Financial ratios, trend lines, peer benchmarks — all computed automatically.

50+ financial ratio calculations
Multi-year trend analysis
Industry benchmark comparison
03Verify

15+ cross-source triangulation checks. GST vs bank vs ITR. Balance sheet vs bank statement. Fraud signals surfaced automatically.

GST ↔ Bank ↔ ITR cross-check
Circular transaction detection
Income inflation flagging
04Generate

LLM-assisted narrative generation maps structured data to your lender-specific CAM template. Bank-ready PDF in under 30 seconds.

Custom lender templates
PDF + JSON output
Credit committee ready
30 secondsto render •99.8% accuracy• validated against manual benchmark
Analysis Framework

Eight dimensions.
Every credit risk covered.

Every YuSight assessment is scored across all eight dimensions — not just financials. The complete picture a credit committee needs.

01

Financial Health

Liquidity, leverage, profitability, asset quality, working capital adequacy

02

Market Position

Revenue trends, market share, customer concentration, supplier dependence

03

Management Quality

Promoter background, director track record, governance, related-party transactions

04

Business Fundamentals

Business model strength, product diversification, operational maturity

05

Cash Flows

Operating cash flow, DSCR, cash conversion cycle, inflow/outflow patterns

06

Collateral

Security coverage, LTV ratio, encumbrance, stock statement analysis

07

Industry Benchmarks

Peer comparison, credit cycle stage, sector-specific risk factors

08

ESG Signals

Environmental risk, social compliance, governance flags from filings and news

Capabilities

Everything the credit
team actually needs.

The unglamorous parts of credit underwriting — cross-checking, fraud detection, news monitoring — done right, at scale.

01 · Bank Statement Analysis

Every transaction.
Every pattern.

Multi-bank consolidation, salary verification, bounce analysis, EMI obligation mapping, cash flow trends, and round-trip detection — all automated.

Avg Monthly Income₹18.4L
FOIR11%
Bounce Count0
Cash FlowStable
02 · Cross-Triangulation

15+ automated cross-checks.

GST vs bank vs ITR. Balance sheet vs statements. Collateral vs charge registry. Inconsistencies surfaced before you disburse.

GST ↔ Bank turnover
ITR ↔ Deposit patterns
Balance sheet ↔ Balances
03 · News & Litigation

Red flags,
before disbursement.

Real-time news NLP, NCLT/DRT filings, wilful defaulter lists, regulatory actions — entity-linked and scored.

News SentimentNCLT FilingsDRT RecordsWilful DefaulterRBI Notices
04 · CAM Report Generation

Bank-ready output.
In 30 seconds.

LLM-generated narrative sections, credit committee scoring, custom lender templates — PDF + JSON delivered via API, webhook, or email.

CAM Output
STATUSApprove
RISK GRADEB+
DSCR1.6×
PAGES22-page PDF
05 · Fraud Detection

50+ risk indicators.

Circular transactions, income inflation, document manipulation — detected before disbursement. Catches 15–20% of SME applicants with inflated revenues.

Fraud Risk: HIGH
Three-way revenue divergence detected. GST ₹1.8Cr → Bank ₹1.2Cr → ITR ₹0.95Cr. Round-trip transactions flagged.
Data Sources

25+ sources.
One unified view.

We connect to every data source your credit team would — and many they can't. Removing the manual collection burden entirely.

Credit Bureaus
CIBIL Consumer
CIBIL Commercial
Experian
Equifax
CRIF High Mark
Tax & GST
ITR-1 through ITR-7
Form 26AS / AIS
GSTR-1 & GSTR-3B
GST Registration
Banking
Account Aggregator (AA)
Bank Statements
Net Banking Feeds
Multi-bank Consolidation
Company Filings
MCA21 / ROC
Charge Registry
Director KYC
Annual Returns
Intelligence
News & Media NLP
NCLT / DRT Records
Court Orders
Regulatory Notices
Documents
Balance Sheet / P&L
Stock Statements
Payslips / Form 16
Earnings Call Transcripts
Use Cases

Built for every
lending context.

Same-day approvals.

Salaried and self-employed borrowers get instant CAMs — BSA + payslip + CIBIL done in under 5 minutes. Approval cycle drops from 3–5 days to same-day.

3–5 day TAT → Same-day
Enterprise Grade

Infrastructure you
can stake credit on.

99.9% UptimeSLA guaranteed
SOC 2 Type IICompliant
RBI Data Local.Compliant
AES-256Encryption at rest
DPDP ActIndia compliant
Full Audit TrailEvery assessment
SaaSFully managed — instant access. Ideal for NBFCs and fintechs.
Private CloudDeployed in your AWS/Azure VPC. For data residency requirements.
On-PremiseFull deployment in your data center. PSU banks and strict compliance.
HybridCore processing in cloud, sensitive data on-prem.
Integration

Plug in. Go live.
In days, not months.

A single API call initiates the full Collect → Analyse → Verify → Generate pipeline. SDKs for Node.js, Python, and Java.

create_assessment.sh
POST /v1/assessment/create
{
  "entity_pan": "AABCC1234D",
  "entity_gstin": "07AABCC1234D1Z5",
  "products": ["term_loan"],
  "amount_inr": 20000000,
  "data_sources": ["cibil", "gst", "itr", "mca"],
  "template_id": "tpl_standard_cam_v2"
}
1–3 daysREST API integration
1 weekCRM/LOS connector
2–5 daysCustom workflow setup
3–6 weeksOn-premise deployment
Node.jsPythonJavaREST API
Get Started

See your first CAM
in 24 hours.

We'll run a live assessment on a real anonymized file from your pipeline. See the output. Decide from there.

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