AI-Powered Credit Scoring for Smarter Lending Decisions
Introduction
Traditional credit scores paint only part of the picture. Glib.ai takes you beyond the surface with dynamic, AI-powered credit scoring models that assess financial behavior, alternative data, and real-time risk signals.Our system gives banks and NBFCs a more accurate, inclusive, and forward-looking view of borrower risk — helping you lend faster, safer, and smarter.
"GLIB.ai will help us assess merchant risk in a better and more efficient manner. With FinRay, we can quickly analyze key ratios from financial statements across multiple languages."
Director - Merchant Credit Risk
Key Benefits
Assist, augment and automate.
Here are some frequently asked questions. If you have any other questions, please feel free to contact us.
What alternative data sources does Glib.ai use for credit scoring?
Glib.ai pulls insights from a variety of structured and unstructured data points that go beyond traditional bureau information. These include: bank transaction history, income inflow and consistency, utility bill payments, EMI patterns, UPI & wallet activity, spending behavior by category (e.g., groceries vs. luxury), and cash flow irregularities and red flags. This 360° data view enables lenders to assess creditworthiness more comprehensively, especially for those with limited bureau history.
How does AI improve risk prediction accuracy in credit scoring?
Legacy credit scores are static and slow to update. In contrast, Glib.ai’s models are dynamic — constantly learning from new data and adjusting risk thresholds based on behavioral patterns, economic signals, and borrower trends. Our AI can detect early signs of financial distress, segment borrowers based on spending velocity and liquidity, and predict future risk rather than only scoring past defaults. This significantly reduces NPAs and improves portfolio quality.
Can AI credit scoring help include thin-file or unbanked customers?
Absolutely. One of the biggest advantages of AI-driven scoring is financial inclusion. Many individuals — especially gig workers, students, and first-time borrowers — don’t have a strong credit history, but they have digital trails that reflect income stability and responsible financial behavior. Glib.ai analyzes this non-traditional data to create a risk score, allowing lenders to confidently extend credit to previously excluded segments.
How fast is Glib.ai’s credit scoring system?
Incredibly fast. Our cloud-native architecture enables real-time scoring, with most scores generated within 2–10 seconds of data upload. Whether you're scoring 100 or 10,000 applicants, the system scales effortlessly without delay.
Is Glib.ai’s credit scoring system compliant with Indian financial regulations?
Yes — fully compliant and audit-ready. We design all scoring models in alignment with RBI’s digital lending norms, SEBI’s AI/ML governance frameworks, and data protection laws under the DPDP Act. Additionally, our Explainable AI layer ensures that every decision can be traced, justified, and audited — making the scoring transparent for both regulators and borrowers.
Can we customize the scoring model to fit our credit policy?
Yes. Glib.ai provides configurable scoring models. You can define your own rules, data weights, risk cutoffs, and categories (e.g., salaried vs. self-employed). Our AI models adapt to your internal credit policy, allowing seamless alignment with your underwriting framework and compliance team.
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