How ABFL slashes underwriting time by 70 % with Tartan’s Risk-Decisioning Suite

70% faster CAM generation and approval

16,000+ financial documents auto-parsed every month

ABFL Factsheet

“Integrating Tartan’s unified APIs took less than a sprint and eliminated weeks of manual spreadsheet work.”
Rajesh Shetty, Chief Risk Officer, ABFL

Problem – Manual CAMs at Scale

ABFL underwrites thousands of retail and small-business loans every month.

• Bank-statement OCR, ratio calculations, and policy checks were spread across five tools and email threads.

• Each Credit Appraisal Memo (CAM) required 2–3 analyst hours, delaying disbursals and frustrating borrowers.

• Fragmented workflows made it hard to prove ECL and Basel-III compliance to regulators.

Solution – Unified APIs & AI Agents

HyperVerify now ingests bank PDFs, GST data, and payroll slips in seconds.

• Tartan’s OCR & NLP extract 1,800+ financial fields per borrower.

• The Risk Decisioning Platform auto-generates CAMs, flags policy breaches, and surfaces explainable PD/LGD scores.

• A single React component embeds into ABFL’s LOS—no swivel-chair needed.

Outcome – Faster, Smarter, Compliant

Customer-facing TAT dropped from four days to six hours, unlocking faster loan disbursals and a 14 % lift in NPS.

“Our analysts focus on exceptions now—the AI handles the grunt work and produces an audit-ready CAM every time.”
Divya Narain, VP Credit Ops, ABFL

Next Steps

ABFL is extending Tartan’s APIs to its collections team for early-warning triggers and exploring vehicle-challan checks for its SME fleet portfolio.

Ready to see similar results? Book a demo and experience unified credit automation in a week.