All agent desksID: CM · STAGE 2: SHIP
Credit & Underwriting·Chief Credit Officer·6 Tools·6 Connectors
SME Credit Memo
Pulls bank statements via AA, GST returns and bureau, computes ratios, flags inconsistencies and drafts the credit memo.
Operational ROI:9 days → 2 days to sanction
Shadow PilotStage: SHIP
Daily VolumeToday
37
applications handledAudit Concurrence30 days
88.2%
Human-AI alignment rateCapacity Returned7 days
148h
Staff hours freed this weekSign-off QueueReal-time
1items
Oldest due 2 daysHow it works: Autonomous Execution Pipeline
8 nodes · 3 core banking connectors · 2 AI checkpointsTriggerSystem callAI Model stepDecision gateHuman sign-offResolvedEscalation
Autonomous DAG PipelineAudited Step-by-Step Pipeline Sequence
01
Application filedAA statements
Setu AA
02
AA statementsGST returns
GSTN
03
GST returnsBureau report
CIBIL
04
Bureau reportCompute ratios
AI Agent
05
Compute ratiosDraft memo
AI Agent
06
Draft memoCCO sign-off
07
CCO sign-offSanction
Tools & Deterministic Capabilities
Every tool is sandbox-isolated and bound by audit policies| Tool Function | Capability & Operational Mandate | Target Connector | Execution Policy |
|---|---|---|---|
| get_application() | Retrieves the credit application with submitted documents and applicant details | LSLOS Origination | Auto-execute |
| fetch_aa_statements() | Fetches bank statements via Account Aggregator with customer consent | AAAccount Aggregator | Auto-execute |
| fetch_gst_returns() | Pulls GSTR-1 and GSTR-3B data via GSP with taxpayer OTP consent | GGSTN Portal | Auto-execute |
| get_bureau_report() | Retrieves the full commercial credit bureau report | CCIBIL Bureau | Auto-execute |
| compute_ratios() | Calculates financial ratios — DSCR, DTI, current ratio, turnover analysis | LSLOS Origination | Auto-execute |
| draft_credit_memo() | Generates the credit memo with risk assessment, ratio analysis, and recommendation | DDMS OCR Store | Sign-off Bound |
Connected Core Systems & APIs
Direct integrations providing live data and execution railsAAAccount Aggregator (FIU)
ConnectedConsent-based bank statements from other banks for underwriting.
ReBITFetch with consent
GGST returns (via GSP)
ConnectedGSTR-1 and GSTR-3B turnover for SME credit checks.
GSPFetch with consent
CCredit bureau (CIBIL)
ConnectedConsumer and commercial bureau reports.
RESTRead
CRCredit bureau (CRIF High Mark)
ConnectedCommercial and MSME bureau reports.
RESTRead
LSLoan origination system
ConnectedApplications, documents and sanction workflow for SME credit.
RESTRead
DDocument store (DMS)
ConnectedKYC documents, deeds, invoices and bills of entry, with OCR text.
S3-compatibleRead
Autonomy & Permission Boundaries
Read DataAccess customer records, historical balances, and KYC documents
AutonomousDraft DocumentsSynthesize STRs, sanction notes, customer replies, and audit memos
AutonomousPropose DecisionsFormulate reversal proposals, credit approvals, and settlement offers
Within limitsExecute on CoreMove funds, post GL entries, update CBS, and file statutory reports
Not allowedModel Evaluation & Gate Profile
Precision Score86.5%
Misses / False Positives1 flagged
Production Gate PolicyMemo matches credit officer on 90%