In business lending, timelines are everything. Corporate clients often need credit approvals in days, not weeks, to capitalize on opportunities. When the Commercial Credit Decisioning Engine rolled out post-2018, it fundamentally reshaped how lenders approached underwriting.
What impressed me most as someone in the lending space was how easily the engine ingested CIBIL bureau data, GST records, and financial statements to produce actionable lending decisions in near real time. This wasn’t just about technology; it was about architecture that allowed the engine to scale across multiple lenders without heavy rework.
Gopichand Ranshevare’s architectural framework made the platform multitenant and API-ready from the ground up, meaning integrations with banks, NBFCs, and fintech partners happened faster than any similar initiative I’ve seen.
Adoption I’ve seen firsthand:
● Corporate Banking: Axis and YES Bank used it to serve midmarket enterprises efficiently.
● Fintech: API-integrated decision-making for SME loan approvals.
● NBFCs: Adoption for commercial working capital products.
Today, credit approvals that once took weeks are being processed in less than 48 hours, and that’s the difference between a missed opportunity and a long-term business relationship.
