Perfios.ai has introduced CAM AI, an AI-driven credit underwriting platform designed to streamline and accelerate lending operations for banks and non-banking financial companies (NBFCs) worldwide.
The platform reduces underwriting turnaround times by up to 85 per cent, enabling institutions to process up to twice as many loan applications with existing resources.
Powered by Perfios’ proprietary AI/ML models and enriched with its GenAI and agentic tools, CAM AI integrates domain-specific large language models (LLMs), retrieval-augmented generation (RAG) pipelines, and agentic algorithms to autonomously extract, analyse, and reconcile data from financial documents in real time.
This technology transforms Credit Assessment Memo generation from a multi-day manual process into an audit-ready, real-time workflow.
The solution addresses challenges in traditional underwriting, especially for high-value loans such as business loans, home loans, and loans against property.
Manual analysis of statements, GST filings, bank data, and financial ratios often leads to bottlenecks that delay capital access, particularly for SMEs.
CAM AI automates this process, performing expert-level analysis at scale without compromising accuracy.
B Krishna Chaitanya, Chief Product Officer, Perfios, explained that CAM AI replicates the scrutiny of highly skilled credit analysts, enabling such evaluations across thousands of loan applications.
“It delivers expert-level credit scrutiny autonomously, ensuring consistency and accuracy at scale,” he said.
It embeds credit policies into its assessments, providing policy-aligned, explainable risk evaluations with full document and data traceability, a crucial factor in regulated financial services.
Sumit Nigam, Chief Technology Officer, Perfios, noted that CAM AI is built for regulated environments, combining LLMs with specialised engines for financial calculations, document verification, and compliance.
“Every insight is backed by source traceability, offering audit-ready reliability and analytical depth while mitigating risks associated with generic AI models,” he said.
Seamlessly integrated into Perfios’ wider ecosystem, CAM AI transforms traditional workflows into intelligent, GenAI-powered decisioning engines.
By combining real-time financial analysis with contextual business logic, it allows even junior analysts to deliver insights on par with seasoned professionals, enhancing speed, scalability, and consistency in lending.
Perfios has also recently launched a GenAI-powered intelligence stack of four solutions aimed at increasing operational productivity in the BFSI sector by up to three times.
With over 75 products, 500 APIs, and a global presence, the company provides comprehensive technology platforms to drive transformation in origination, onboarding, decisioning, underwriting, and monitoring.
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