Agent Desk

CLR
All agent desksID: CLR · STAGE 2: SHIP
Credit & Underwriting·Chief Credit Officer·6 Tools·5 Connectors

Credit Limit Reviewer

Annual credit limit review: bureau pulls, financial extraction, ratio analysis (DSCR/ICR/TOL-TNW), AI appraisal note, credit committee routing, CBS limit update.

Operational ROI:45 days → 8 days review cycle
Shadow PilotStage: SHIP
Architecture deep-diveTrain agent
Daily VolumeToday
12
reviews completed handled
Audit Concurrence30 days
89.5%89.5%
Human-AI alignment rate
Capacity Returned7 days
56h
Staff hours freed this week
Sign-off QueueReal-time
0items
Queue clean · Zero SLA breach

How it works: Autonomous Execution Pipeline

6 nodes · 1 core banking connectors · 2 AI checkpoints
Deterministic DAG
Annual review dateLOSBureau + financialsCIBILRatio analysisAI AGENTDraft appraisalAI AGENTCredit committeeLimit updated
TriggerSystem callAI Model stepDecision gateHuman sign-offResolvedEscalation
Autonomous DAG Pipeline
Audited Step-by-Step Pipeline Sequence
01
Annual review dateBureau + financials
CIBIL
02
Bureau + financialsRatio analysis
AI Agent
03
Ratio analysisDraft appraisal
AI Agent
04
Draft appraisalCredit committee
05
Credit committeeLimit updated

Tools & Deterministic Capabilities

Every tool is sandbox-isolated and bound by audit policies
6 Registered Tools
Tool FunctionCapability & Operational MandateTarget ConnectorExecution Policy
pull_bureau()Pulls full credit bureau report from CIBIL, Equifax, and CRIFCCIBIL BureauAuto-execute
extract_financials()AI-extracts financial data from uploaded ABS, P&L, and ITR documentsCCIBIL BureauAuto-execute
compute_ratios()Calculates financial ratios — DSCR, DTI, current ratio, turnover analysisLSLOS OriginationAuto-execute
generate_appraisal()Generates AI-drafted appraisal note with risk scorecard and recommendationCCIBIL BureauAuto-execute
route_committee()Routes the review to the appropriate credit committee (CAC/HLCC) by limitCCIBIL BureauAuto-execute
update_cbs_limit()Updates sanctioned limit and drawing power in the core banking systemCCIBIL BureauAuto-execute

Connected Core Systems & APIs

Direct integrations providing live data and execution rails
5 Connected Rails
CCredit bureau (CIBIL)
Connected

Consumer and commercial bureau reports.

RESTRead
CRCredit bureau (CRIF High Mark)
Connected

Commercial and MSME bureau reports.

RESTRead
LSLoan origination system
Connected

Applications, documents and sanction workflow for SME credit.

RESTRead
FCore banking (Finacle)
Connected

Customer, account, transaction and charge data. The system of record every agent reads.

RESTRead
DDocument store (DMS)
Connected

KYC documents, deeds, invoices and bills of entry, with OCR text.

S3-compatibleRead

Autonomy & Permission Boundaries

RBI Compliant
Read DataAccess customer records, historical balances, and KYC documents
Autonomous
Draft DocumentsSynthesize STRs, sanction notes, customer replies, and audit memos
Autonomous
Propose DecisionsFormulate reversal proposals, credit approvals, and settlement offers
Within limits
Execute on CoreMove funds, post GL entries, update CBS, and file statutory reports
Not allowed

Model Evaluation & Gate Profile

96 Benchmark Cases
89.5%
Precision Score87%
Misses / False Positives1 flagged
Production Gate PolicyAppraisal matches committee on 85%

Multi-Dimensional Performance Benchmark

5-Axis Audited Evaluation
AccuracySpeedComplianceCoverageCost eff.

Pending Human Sign-offs

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