Automated Credit Assessment Through Multi-Doc Cross Analysis & Consolidation

Make informed credit decisions and detect loan application discrepancies, saving time for credit managers and bolstering defences against financial fraud.

How Perfios CAM Works?

Document Collection

Collects data through ePDF uploads, scanned documents, online data fetch, and AA frameworks across multiple lending journeys.

Alternate Data Fetch

Fetches data from alternative sources in the form of company information, litigation data, and alerts based on statutory compliance

Verification

Verifies all KYC details for Entities or individuals

Data Cross-Analysis

Cross-analyses key financial metrics by analyzing multiple data sources like bank, GST, ITR, financial statements, MCA, Bureau, and EPFO.

Risk & Strength Analysis

Identifies risk triggers and strength indicators based on multi-doc reconciliation and alternate data analysis

Lender's Policy Check & Eligibility Calculation

Finally, it prepares a detailed CAM report with eligibility basis lender's credit policy

Benefits Perfios CAM Offers

Fraud Prevention

5% Reduction in Fraud Losses

Increased Operational Efficiency

50% Increase in Credit Manager Efficiency

Saves You Time

80% Reduction in CAM Preparation Time

Reduced Dependencies

90% Reduction in Dependency on CPA

Cutting-Edge Features that Win Big

Multi-Document Reconciliation

Our platform supports the cross-validation of key financial metrics between different data sources for a unified view.

Customizable & Compliant Output

Our tool is adaptable to align with various BREs and credit policies for accurate eligibility calculations and approvals.

External Database Validation

Enrich the credit assessment process through alternate data & utilise open data sources for additional cross-validation.

Risk & Strength Indicators

Identify anomalies using transaction and external data analytics to identify risks and strengths in loan applications.

Document Metadata Identification

Identify if the original document was tampered with and verify documents without limitation on scale.

Fraud Prevention Measures

Implement secure safeguards to identify discrepancies & irregularities via multi-document reconciliation.

Regulatory Compliance Checks

Ensure regulation adherence by thoroughly analyzing negative indicators in filing details.

Know Your Customer Better

Understand the borrower’s profile through advanced KYC measures & professional verification

Profile Summary Note

Creates a profile summary for the loan application, helping accelerate underwriting and approval process