Every file checked against your SOP. Every decision signed by a named officer.
Synthia AI agents, from voice calls to CAMs, run your own credit SOPs on the LOS you already have. Built for NBFCs.
Real numbers from live loan books.
80%
less analyst effort
Plain-English questions on a loan book's performance, answered from live data.
We really like the ease with which we can interact with the system using plain english to analyse a loan book's performance.Kaushal Sarda, Venture Partner, UC ImpowerRead the case study (UC Impower, opens in a new tab)
95%
less manual ETL work
LOS, LMS and collections data in one source of truth.
Collections that start before the EMI bounces. Every word logged, every escalation to a person. We're taking on design partners.
Three places where the book quietly leaks time, margin and audit confidence, and what Synthia AI does about each one.
Spent writing memos, and a manual CAM takes 1–2 hours even for a simple file.
CAM Assist drafts the CAM: every deviation flagged by clause, every figure traced to source, signed by your credit manager.
Field visits get routed alphabetically instead of by what's actually recoverable.
Collections start before the EMI bounces, with every promise-to-pay tracked to closure.
Pulling together who decided what, on which file, against which policy.
Every AI decision reconstructable: which file, which clause, which model, who signed.
Each one is a standalone pilot with its own number to hit. Your next SOP rides the same governed layer, which is why it lands in half the time and at a fraction of the cost.
Collections that start before the EMI bounces: early warning before DPD 30, every promise-to-pay tracked to closure, field visits routed by expected recovery.
Early-warning signals, PTP tracking and field routing, with voice agents that follow your SOP in the borrower's language. Every word logged, every escalation to a person. Voice is in early access; we're taking on design partners.
Field visits routed by expected recovery, not alphabetically.
Better underwriting, file by file. CAM in minutes: every deviation flagged by clause, before it becomes an NPA.
AI assembles the Credit Appraisal Memo from QC, PD, legal, bureau, banking and other sources. FOIR, LTV and bureau pre-computed; deviations routed to the right sign-off level. The credit manager edits, owns and signs.
CAM assembly: weeks → minutes. Draft CAM from 14 source artifacts in about 6 minutes.
See CAM Assist →Every PD checked against your SOP: mandatory points covered, misses timestamped, summary auto-filed to the CAM.
PD Assist transcribes and translates the recording in any language, verifies every mandatory SOP checklist point, flags gaps for a follow-up call, and retains every interview for future credit models.
45–60 min per file → 8 min of review. 4–5× faster, same-day processing.
See PD Assist →Every branch performs like your best branch: officers work exceptions, not pages, and new hires are productive in days.
Document QC on every file, guided role-based workflows and maker-checker by construction. The platform is the training surface, so churn hurts less, and cost per file comes down without adding headcount.
75% less QC effort · 3× capacity freed · 83% less analyst time.
RBI has already written your board's questions: FREE-AI. We're the platform built the way the framework is written.
A row-by-row mapping against the FREE-AI framework's 7 Sutras and RE recommendations: native on human-in-the-loop, accountability, explainability and audit.
Every AI decision reconstructable: which file, which clause, which model, who signed.
Returns assembled from source, not from spreadsheets: every figure traceable to the loan it came from, in one click.
Six lenses on one data layer: operations, portfolio, regulatory, liquidity and ALM, scorecards and what-if. Disbursements, PAR, Static Pool Analysis and more.
Reporting: weeks → near-real-time. Audit prep becomes retrieval, not reconstruction.
See Synthia AI Analytics →If the review is as hard as reading all 50 documents yourself, the AI saved nothing. This is the part most AI vendors skip, and the part your regulator cares about most.
RBI's FREE-AI framework makes human accountability non-negotiable. So the question isn't whether a person reviews the AI's work. It's how long that review takes.
Most AI products hand the reviewer a chat log or an engineer's trace viewer. When review is slow, reviewers start rubber-stamping: approve-by-default is exactly the failure mode a regulator fears.
Synthia AI gives your officer a review surface, not a transcript, purpose-built per SOP, for the person who has to sign it.
Every value linked to its source: hover any figure and jump to the exact line of the exact document it came from.
Deviations cited by SOP clause and routed to the right sign-off level. Clean items pre-approved per policy.
The override itself is logged. The trail writes itself, so it's faster and more audit-ready.
Illustrative reviewer surface. Clean items pre-approved per policy; exceptions cited by clause and routed to the right sign-off level.
Per file, in our PD Assist walkthrough. Faster and more audit-ready, because the trail writes itself.
Governance isn't a module you buy on top. It's how every workflow in Synthia AI is constructed, which is why the audit trail is a by-product of doing the work rather than a project after it.
Forward-deployed engineers, on your infrastructure, working alongside your credit and ops teams. You never have to say yes to a platform transformation, only to one SOP.
One lending SOP you've already named, on your files, on your infra. Success criteria agreed on day one.
Forward-deployed engineers fit the workflow to your SOPs, your systems and your sign-off levels. 60–80% of what you need is pre-built on day one.
Your next SOP rides the same governed layer, so it lands in half the time. What used to take two months takes two weeks.
To a live pilot on one SOP
Pre-built on day one
Faster delivery
Any cloud, on-prem or sovereign VPC. Any AI model, no lock-in. ISO 27001 certified, SOC 2 Type II compliant. Paid on outcomes, with ROI agreed per SOP before we build.
Pick a time that suits you. Our fintech expert will walk you through it live, with a named officer signing at the end, just as it works on your floor.
You can also get your free AI-Readiness Report.
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