API Built for India

Credit scoring for the borrowers CIBIL can't see.

CreditSense scores thin-file borrowers — gig workers, kirana owners, first-time borrowers — using RBI's Account Aggregator framework. 300–900 score, plain-English reasoning, PDF audit trail. Under 2 seconds.

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51,336 Real CIBIL profiles trained on
0.73 AUC On holdout test set
< 2 sec API response time
57/57 Edge case tests passing

160 million Indians are credit-eligible but bureau-invisible

CIBIL returns blank

Traditional bureaus can't score borrowers without formal credit history.

Reject = Lost revenue

NBFCs turn away creditworthy applicants they can't assess.

Approve blind = NPAs

Approving without data creates non-performing assets.

One API call. Three outputs.

1
Borrower consents via Account Aggregator
2
CreditSense ingests bank transaction data
3
ML pipeline extracts 20 behavioral features
4
Returns score + reasoning + audit report

300–900 Credit Score

Calibrated against 51,000+ real Indian CIBIL profiles.

Plain-English Reasoning

SHAP-based top 3 factors, readable by credit officers and auditors.

PDF Audit Trail

Deterministic paper trail: raw data → features → model → score. RBI-ready.

Test CreditSense on your portfolio

First 200 scores free. No platform fee. No contract. You share anonymised loan outcomes at 60 days — we sharpen the model for your borrower mix.

Discuss a Pilot