IRAC asset classification agent
OpenCredit RiskNeed an agent that can classify loan accounts into Standard, Sub-standard, Doubtful, and Loss categories per RBI IRAC norms. Should pull CBS data, calculate overdue days, and draft reclassification memos with provisioning impact.
Trade finance document checker
In TrainingTrade FinanceAgent to verify LC documents against UCP 600 rules — bill of lading, invoice, packing list, certificate of origin. Flag discrepancies before the ops team reviews. Must handle 200+ documents/day.
Priority sector lending compliance tracker
OpenRegulatoryTrack PSL targets vs actuals across agriculture, MSME, education, housing, and weaker sections. Alert when any sub-category falls below RBI threshold. Generate quarterly board report.
Loan restructuring eligibility screener
Under ReviewCredit OperationsScreen borrowers for restructuring eligibility under RBI's framework — check repayment history, DSCR projections, and sector stress. Draft restructuring proposal with revised repayment schedule.
Suspicious transaction pattern detector
OpenAML/CFTBuild an agent that monitors transaction patterns for structuring, round-tripping, and layering. Should integrate with core banking and flag accounts exceeding ₹10L threshold or showing unusual velocity.
Gold loan LTV monitor
CertifiedSecured LendingReal-time LTV monitoring for gold loan portfolio. Pull spot prices, calculate current LTV, trigger margin calls when LTV breaches 75%. Daily portfolio risk summary for branch managers.