·
Configurable
digital platform to enhance speed, consistency and data-led decisioning across
loan journeys
·
Aims
to improve turnaround times and strengthen risk oversight across retail and
MSME lending
Mumbai: Axis Finance
Limited (AFL), one of India’s fast-growing non-banking financial companies
(NBFCs), today announced the launch of Axis Finance Drishti, its in-house Business Rules Engine (BRE). The
platform is designed to bring greater
speed, consistency and intelligence to credit decision-making. In its first
phase, Drishti has been rolled out for Personal Loans, Business Loans, Loan
Against Property and Disha Home Loans.
Developed as a
configurable digital platform, Drishti enables automated and policy-driven
credit assessments by combining underwriting workflows with data-led insights
and statistical scorecards. The platform incorporates real-time decisioning,
dynamic policy implementation and integration with multiple data sources including
alternate data to support both straight-through processing (STP) and assisted
credit journeys.
With Drishti,
AFL aims to bring greater standardization to credit evaluation, thereby
enhancing consistency and governance in lending decisions. This marks a key
step in Axis Finance’s ongoing focus on leveraging technology and analytics to
simplify lending processes while reinforcing disciplined risk management and
operational efficiency.
Commenting on the development, Sai
Giridhar, MD & CEO, Axis Finance Limited, said, “At Axis
Finance, our focus is on building a more agile and analytics enabled lending ecosystem. With the launch of Axis
Finance Drishti, we are strengthening our ability to deliver faster,
more consistent credit decisions by embedding intelligence, advance analytics
and automated credit workflows into our core decisioning frameworks, while
maintaining strong governance and risk discipline. As we scale, investments in
such capabilities will be critical to enhancing customer experience, improving
portfolio quality and supporting sustainable portfolio growth.”
Axis Finance continues to prioritise customer
experience through ongoing investments in technology and process improvements. Over the past year,
the Company has introduced initiatives such as ABC Scorecards to enhance
objectivity in credit assessment and an AI-assisted quality monitoring
framework for collection, reinforcing fair and transparent customer
interactions. Together, these efforts reflect AFL’s focus on combining
analytics, technology and governance to drive more efficient and
customer-centric lending journeys.