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MFI Group Risk Intelligence

Scores joint-liability group risk for microfinance portfolios using group cohesion signals, member repayment history, center meeting attendance, and local economic stress indicators. Flags groups trending toward collective default risk, ranks centers by portfolio-at-risk, and recommends field-officer intervention priorities — enabling MFIs to act on group-level early warning before individual defaults cascade.

MFI Group Risk Intelligence — Pragyan Ai

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Credit Covenant Intelligence

Tracks every financial covenant (DSCR, leverage ratio, current ratio, net worth) across the entire loan book in real time. Flags accounts approaching breach thresholds with a lead time of 30–90 days, severity-ranked by exposure value. Auto-generates covenant monitoring reports per borrower with trend charts, peer benchmarking, and AI-recommended waivers or restructuring triggers for the credit team.

Deposit Retention Intelligence

Scores every fixed and recurring deposit account on flight risk using transaction behaviour, rate sensitivity, tenure pattern, and relationship depth signals. Segments deposits by risk tier, shows ₹ value at risk by branch and maturity bucket, and recommends hyper-personalised retention offers (rate top-ups, relationship benefits, renewal incentives) — prioritised by ROI of retention vs cost of replacement funding.

Fleet Optimization Intelligence

Optimises ATM cash replenishment routes, vehicle dispatch schedules, and cash-in-transit (CIT) operations across a banking network. Models ATM cash consumption forecasts by location and day-of-week, minimises idle cash in vaults, and reduces CIT trips through intelligent clustering. Shows cost savings vs baseline, SLA adherence for cash availability, and a live fleet tracking dashboard with route-level efficiency scores.

RM Intelligence Copilot

An AI copilot embedded in the Relationship Manager's workflow that surfaces next-best actions before every client meeting — cross-sell opportunities ranked by propensity, portfolio health deterioration alerts, upcoming maturities, and wallet share gaps vs peer benchmarks. Generates meeting prep briefs, auto-drafts follow-up emails, and tracks RM activity against revenue targets with coaching nudges.

Collections Optimisation Intelligence

Optimises collections strategy across the delinquent loan book by scoring every account on repayment propensity, contact channel effectiveness, and agent-account fit. Prioritises the daily call/visit queue by expected recovery value, recommends the best channel and script per borrower segment, and tracks agent-level and portfolio-level recovery-rate trends against cost-to-collect — surfacing the highest-ROI collections actions each day.

Customer Product Intelligence

Builds a 360° product-holding view for every retail banking customer, scoring cross-sell and up-sell propensity across the full product suite (deposits, loans, cards, investments, insurance). Segments the base by life stage, product gap, and channel affinity, ranks next-best-product recommendations by expected value, and tracks campaign-level conversion and revenue uplift for the retail banking team.

Early Delinquency Intelligence

Flags loan accounts showing early signs of stress — bounced EMIs, partial payments, behavioural score drift — 15–30 days before they roll into formal delinquency buckets. Ranks accounts by risk severity and exposure, recommends pre-delinquency interventions (reminder cadence, restructuring offers, soft-contact scripts), and tracks bucket-migration rates to measure how much roll-forward is being prevented.

Financial Health Intelligence

Computes a composite financial health score for every customer from transaction patterns, savings rate, credit utilisation, and repayment behaviour. Segments customers into health tiers, flags those trending toward financial distress before default risk materialises, and recommends proactive nudges (savings plans, credit line adjustments, advisory outreach) — giving relationship teams an early, actionable view of portfolio-wide financial wellbeing.

Insurance Fraud Intelligence

Detects fraudulent and abusive claims across health, motor, and life insurance lines using network analysis (shared providers, repeat claimants, collusion rings), claim-pattern anomaly scoring, and document/image inconsistency checks. Ranks claims by fraud probability and potential loss value, auto-routes high-risk cases to SIU investigators with evidence summaries, and tracks fraud-spend saved against investigation cost.

Liquidity Optimisation Engine

Forecasts intraday and multi-day liquidity positions across accounts, currencies, and business lines for treasury teams. Models cash inflow/outflow scenarios, surfaces funding gaps and surplus-deployment opportunities ahead of time, and recommends optimal placement (money market, inter-bank, overnight) to minimise cost of funds while maintaining regulatory liquidity coverage ratios.

NPA Recovery Intelligence

Prioritises the NPA book by recoverability, scoring every non-performing account on borrower intent, collateral realisability, and legal-recovery timeline. Recommends the optimal recovery path per account (settlement, SARFAESI action, asset sale, write-off) with expected recovery value and cost, and tracks recovery-rate improvement against the resolution roadmap for the NPA management team.

Portfolio Risk Intelligence

Gives wealth management teams a real-time, factor-level risk view across every client portfolio — concentration risk, drawdown exposure, correlation clustering, and benchmark deviation. Flags portfolios drifting outside mandate or risk-tolerance bands, simulates rebalancing scenarios with projected risk/return impact, and generates client-ready risk reports for relationship managers ahead of review meetings.

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