For lenders who need auditable answers, not only scores
Across India, NBFCs, BNPL providers, SME lenders, and housing finance companies use Finarkein for transparent reasoning behind every credit decision.
Personal and consumer loan review
NBFCs use Finarkein to replace manual statement review with a query console. Analysts ask about income, EMI burden, and cash flow, then receive structured answers with transaction-level workings.
Common questions cover income consistency, average monthly inflows, existing EMI commitments, recurring debit patterns, and bounce event history. Every answer shows its classification logic.
Key queries
Buy-now-pay-later risk review
BNPL providers assess first-time borrowers who may lack credit bureau history. Finarkein queries consented bank statements to identify deferred payment obligations, spending patterns, and inflow reliability.
Transaction-level reasoning lets BNPL risk analysts explain a declined application to the borrower without relying on a black-box score.
Key queries
Small-business loan assessment
SME borrowers often lack formal payslips or GSTIN-backed turnover records. Finarkein queries current account and business savings data to assess actual cash flows, vendor payments, and seasonal variation.
Analysts ask about revenue regularity, supplier payment behaviour, and quarterly net cash position. Answers identify the debit and credit transactions used and their categories.
Key queries
Long-term home loan review
Housing finance companies reviewing 15-20 year loans must verify income stability over long periods. Finarkein examines bank statements across a 24-month window for income consistency coefficients, long-term EMI headroom, and balance trajectory.
Transparent reasoning is essential for meeting credit review requirements for housing finance companies regulated by the National Housing Bank.
Key queries
Tell us the workflow to solve
Book a session to review a live query on a borrower profile matching your credit product.