Paisalo Digital Launches AI System for Credit Risk Management
Filing Summary
On December 11, 2025, **Paisalo Digital Ltd** announced the launch of an AI-driven customer profiling and fraud detection system. This system aims to enhance credit risk management by treating each customer, guarantor, and co-borrower as distinct financial identities. The AI engine identifies duplicate identities, monitors exposure limits, and flags high-risk patterns. It will be integrated across Paisalo’s lending verticals, including Micro Loan Against Property, Income Generation Loans, and MSME financing. The system also supports dynamic customer scoring by analyzing various data parameters.
On December 11, 2025, **Paisalo Digital Ltd**, a non-deposit taking NBFC, announced the introduction of an AI-driven customer profiling and fraud detection system. This system is designed to enhance the company’s credit risk management ecosystem by assessing each customer, guarantor, and co-borrower as a distinct financial identity.
The AI engine within the system is capable of detecting duplicate identities, monitoring cumulative exposure limits, and flagging high-risk patterns. This approach provides transparency into borrower histories and helps prevent overlapping liabilities. The system is integrated across **Paisalo’s** secured and unsecured lending verticals, including Micro Loan Against Property, Income Generation Loans, and MSME financing.
Additionally, the system supports dynamic customer scoring by analyzing multiple data parameters such as repayment behavior, asset ownership, demographic attributes, income stability, bank transactions, and collateral linkages. This enables tailored lending decisions while maintaining financial inclusion goals.
The rollout of this system coincides with the launch of **Paisalo’s** GenAI-based calling system, an automated platform designed to enhance the loan recovery process and borrower communication. This development reflects the company’s commitment to responsible lending and strong governance.
**Paisalo Digital Ltd** focuses on providing financial services to underserved customers in semi-urban and rural India. The company prioritizes the integration of advanced technology to improve its lending processes and ensure transparency and fairness in its operations.