An agentic AI assisted platform designed to improve underwriter efficiency and effectiveness
An agentic AI assisted platform designed to improve underwriter efficiency and effectiveness
An agentic AI assisted platform designed to improve underwriter efficiency and effectiveness
Underwriting bottlenecks are slowing growth
Underwriting bottlenecks are slowing growth
Delayed underwriting stalls operations
Delayed underwriting stalls operations
• Decisions lack consistency
• Manual checks cause delays
• Compliance risk is rising
• Fraud slips through
Decisions lack consistency
Decisions lack consistency
Manual checks
cause delays
Manual checks
cause delays
Compliance risk
is rising
Compliance risk
is rising
• SLAs are breached
Fraud slips through
Fraud slips through
SLAs are breached
SLAs are breached
Transform Underwriting for financial services with speed, consistency, and control
Transform Underwriting for financial services with speed, consistency, and control
AI-orchestrated workflows that cut innovation cycles without cutting corners
AI-orchestrated workflows that cut innovation cycles without cutting corners
Agentic AI–powered underwriting for
financial services
Agentic AI–powered underwriting for financial services
Agentic AI–powered underwriting for financial services
Reinvent loan processing with composable
AI agents
Reinvent loan processing with composable
AI agents
1
OCR and classification
Accurately reads scanned or digital documents, identifies type (e.g., pay slip, P60, bank statement), and tags them for downstream use.
1
OCR and classification
Accurately reads scanned or digital documents, identifies type (e.g., pay slip, P60, bank statement), and tags them for downstream use.
2
Quality and extraction
Checks document clarity and completeness, extracts precise field data, and flags anomalies like cropped IDs or mismatched details.
2
Quality and extraction
Checks document clarity and completeness, extracts precise field data, and flags anomalies like cropped IDs or mismatched details.
3
Credit bureau query
Fetches comprehensive UK credit profiles, detects borrowing patterns, and delivers repayment behavior metrics for risk assessment.
3
Credit bureau query
Fetches comprehensive UK credit profiles, detects borrowing patterns, and delivers repayment behavior metrics for risk assessment.
4
KYC and AML
Confirms identity, runs PEP/sanctions checks, and scans adverse media, adapting depth based on risk profile.
4
KYC and AML
Confirms identity, runs PEP/sanctions checks, and scans adverse media, adapting depth based on risk profile.
5
Fraud detection
Identifies synthetic identities, income misrepresentation, and known fraud patterns using document forensics and behavioral analytics.
5
Fraud detection
Identifies synthetic identities, income misrepresentation, and known fraud patterns using document forensics and behavioral analytics.
6
Affordability assessment
Runs stress tests, calculates DTI/LTV ratios, and highlights repayment risks under multiple income–expense scenarios.
6
Affordability assessment
Runs stress tests, calculates DTI/LTV ratios, and highlights repayment risks under multiple income–expense scenarios.
7
Risk scoring
Combines borrower, property, credit, and market factors into a dynamic default/portfolio-fit score.
7
Risk scoring
Combines borrower, property, credit, and market factors into a dynamic default/portfolio-fit score.
8
Credit memo generation
Creates regulator-ready memos with borrower background, property details, risks, mitigations, and recommendations.
8
Credit memo generation
Creates regulator-ready memos with borrower background, property details, risks, mitigations, and recommendations.
9
Loan decisioning
Applies policy rules, portfolio limits, and agent insights to produce an approval/decline recommendation with override option.
9
Loan decisioning
Applies policy rules, portfolio limits, and agent insights to produce an approval/decline recommendation with override option.
10
Customer communication
Delivers clear, compliant updates, decisions, and document requests to applicants and brokers, logging all exchanges.
10
Customer communication
Delivers clear, compliant updates, decisions, and document requests to applicants and brokers, logging all exchanges.
Our expert
Mrunali Nikunj Majmudar
Chief Practice Officer - CPGR
Mrunali Nikunj Majmudar
Chief Practice Officer - CPGR
Gaurav Sharma
Client Partner- Consulting Financial Services
Affan Mohammad
Principal Consultant
Prithwish Dev
Client Partner
Arumugam Jayabalan
Client Partner
Arumugam Jayabalan
Client Partner
Get faster, smarter loan decisions
Get faster, smarter loan decisions
Recognition and achievements
Select Fractal accolades
Named leader
Customer analytics service provider Q2 2025
Representative vendor
Customer analytics service provider Q1 2021
Great Place to Work
9th year running. Certifications received for India, USA, UK, and UAE
Recognition and achievements
Select Fractal accolades
Named leader
Customer analytics service provider Q2 2025
Representative vendor
Customer analytics service provider Q1 2021
Great Place to Work
9th year running. Certifications received for India, USA, UK, and UAE
Registered Office:
Level 7, Commerz II, International Business Park, Oberoi Garden City,
Off W. E. Highway Goregaon (E), Mumbai - 400063, Maharashtra, India.
Phone: +91 22 6850 5800
Email: investorrelations@fractal.ai
CIN : L72400MH2000PLC125369
GST Number (Maharashtra) : 27AAACF4502D1Z8
Registered Office:
Level 7, Commerz II, International Business Park,
Oberoi Garden City, Off W. E. Highway Goregaon (E),
Mumbai - 400063, Maharashtra, India.
Phone: +91 22 6850 5800
Email: investorrelations@fractal.ai
CIN : L72400MH2000PLC125369
GST Number (Maharashtra) : 27AAACF4502D1Z8
