CredJudge turns raw marketplace loan data into an institutional-grade funding decision — scored, explained and simulated before a single rupee moves.
Consumer credit is priced on thin, backward-looking bureau data. CredJudge rebuilds the decision from first principles — combining the marketplace record with deep borrower research and a transparent, self-improving model — so allocators fund the right loans and avoid the wrong ones.
A single, auditable pipeline — the same one that evaluated 1.74M+ opportunities and funded 37,924 loans.
Paste a P2P loan in any rough format. CredJudge parses name, age, city, bureau score, platform score, loan amount, interest, tenure, repayment cadence and fees.
Deep research layers geographic risk, address intelligence, behavioural signals and alternative data onto the raw borrower record.
A 9-signal decision engine produces a CredJudge Score, default probability, expected return and a SHAP-grade explanation for every rupee.
Dynamic capital allocation recommends exactly how much to fund — approve, review or decline — optimised for risk-adjusted return.
These are real, executed outcomes — not projections. Capital was deployed, loans closed, and returns realised across a founder portfolio and an independent validation portfolio.
CredJudge rejects 97.82% of everything it sees. That discipline — funding only ₹250–₹4,000 tickets over 2–6 month tenures where the risk-adjusted return is compelling — is what drove observed NPA to 1.46%, 58% below the marketplace.
From a single borrower to an entire loan book — a console built for capital allocators and the banks they partner with.
SHAP-style signal attribution on every facility. No black box — every decision is auditable down to the signal.
Every borrower is scored the moment they enter the pipeline, with live default forecasting and confidence.
District-level NPA, borrower density and climate exposure modelled across India.
Construct optimised portfolios and test capital scenarios against blended default probability.
Ask in natural language. Surface the safest loans, forecast defaults and build an investment thesis in seconds.
Audit logs, model versioning and explainability built in — designed for banks and capital allocators.
Step inside the console — populated with the real, validated track record.