Poonawalla Fincorp Limited has taken a major leap in its digital transformation journey by announcing full-scale adoption of its underwriting intelligence platform, Credit AI, across the Personal Loans segment. Introduced in March 2025 in partnership with IIT Bombay, the platform was designed to simplify and strengthen retail underwriting. Since its rollout, it has delivered a sharp rise in productivity by cutting down manual effort, improving decision accuracy and speeding up credit evaluations.
After witnessing strong results in the Personal Loans vertical, the company is now extending Credit AI to a wider set of products, including Business Loans, Pre-Owned Car Loans, Loans for Professionals, Loans Against Property and Equipment Finance. This expansion signals a broader AI-first strategy aimed at reshaping how the organisation handles credit, risk and customer-facing functions.
Alongside this, Poonawalla Fincorp has introduced four new AI-driven solutions that go beyond back-end efficiency and begin influencing front-line business outcomes. The company has clearly moved from experimenting with technology to embedding AI at the core of customer engagement, operations, HR and decision-making.
One of the standout innovations is the Conversational AI agent built for customer acquisition. It can initiate multilingual calls, screen potential borrowers on eligibility, validate interest, collect key information and even kick-start the loan journey before looping in the right Relationship Manager. This improves lead quality and boosts productivity in customer acquisition channels. The system is already active in one business unit and will expand gradually.
The second innovation focuses on strengthening post-sanction governance. The new AI-led risk hindsight system replaces heavy manual checks on Aadhaar details, CIBIL reports, CAM analyses and other documents with an automated engine powered by OCR and LLM technology. This enables instant document extraction, classification, compliance checks and credit screening, making reviews faster and far more reliable.
The HR function also gets a major technology upgrade through PAI@HR, an employee support bot that can instantly generate official documents like Form 60, address proofs and visa letters. It also answers routine queries with precision, freeing up HR teams from repetitive tasks and offering smoother support experiences for employees.
Another significant rollout is DART Genie, a natural-language insights platform that allows teams to access data simply by asking questions in plain English. The tool is already being used by Operations and HR to fetch summaries, trends and insights without depending on analysts or technical teams. It will soon reach Customer Service and Finance for broader organisation-wide decision enablement.
Poonawalla Fincorp has mapped out 45 AI projects across areas such as credit, risk, compliance, HR and operations. With Credit AI and its new generation of intelligent applications, the company is building a digitally confident and governance-driven institution ready for the next phase of growth.
