BFSI – AI-Driven Credit Risk & Fraud Prevention

Context

A leading retail bank faced growing loan defaults and fraudulent digital transactions, causing rising NPAs and compliance penalties.

Process Applied

  • Research & Analysis: Collected 5 years of loan repayment, transaction logs, and customer behavioral data. 
  • Reports: Built risk clusters highlighting high-risk SME borrowers and fraud-prone transaction patterns. 
  • Licensing: Deployed AI credit scoring and fraud detection engines (explainable & regulator-compliant). 
  • Deployment: Integrated with the bank’s core banking system for real-time risk dashboards. 
  • Training: Risk & compliance officers trained to use AI alerts in decision-making. 
  • Back-End Support: Continuous tuning with new fraud data, regulatory updates, and retraining of ML models. 

Tangible Outcomes

  • 20% reduction in NPAs within 12 months.
  • 42% decline in fraudulent transactions.
  • ₹250 Cr annual savings from improved risk prediction.
Project Info

Category

BFSI:

Industry

Airtificial Intelligence

Stack

AI

The Solution

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