Borrower Profile Enrichment

Enhancing Lending Accuracy with AI-Powered Financial Intelligence

Introduction

Incomplete or fragmented borrower data often leads to poor credit decisions, higher NPAs, and missed opportunities. Glib.ai’s Borrower Profile Enrichment solution delivers a 360° view of borrowers by aggregating, verifying, and analyzing structured and unstructured financial data using AI — enabling smarter, faster, and lower-risk lending.

"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."

Francesco Garcia

Director - Merchant Credit Risk

Other Use Cases

Loan Origination Automation Borrower Profile Enrichment Risk Based Loan Pricing Loan Monitoring Loan Disbursement Automation Loan Servicing Automation

Key Benefits

Multi-Source Data Aggregation: Pulls data from bank statements, ITRs, GST returns, bureau reports, alternate credit data, and behavioral metrics to build comprehensive borrower profiles.
Advanced Risk Modeling: AI evaluates repayment patterns, credit utilization, income consistency, spending behavior, and cash flows for more accurate risk scoring.
Real-Time Financial Health Insights: Offers a live view into a borrower’s financial standing — beyond just CIBIL or CRIF — enabling precise creditworthiness predictions.
Reduced Default Risk: Better data leads to more accurate lending decisions, reducing delinquency and fraud exposure.
Seamless API-Based Integration: Easily plugs into your LOS, LMS, or credit decisioning engine — supporting instant enrichment with zero disruption.

Human expertise + Machine intelligence

Assist, augment and automate.

Questions? Answers.

Here are some frequently asked questions. If you have any other questions, please feel free to contact us.

What data sources does Glib.ai use for borrower profile enrichment?

We combine structured and unstructured data, including: - Bank statements (PDFs & raw data) - Income Tax Returns (ITRs) - GST returns - Credit bureau reports (CIBIL, CRIF, Experian) - Alternate credit data (rent payments, utility bills, digital payment behavior) - Social and behavioral data (optional, based on lender policy) This results in a unified and enriched profile per applicant.

How does this improve risk assessment for lenders?

Traditional scoring models rely on limited inputs. Glib.ai uses AI and ML models to: - Identify anomalies and data gaps - Assess cash flow health, income stability, and repayment intent - Classify risk more precisely across borrower segments This empowers underwriters with deeper insights and data-driven decisioning.

Can Glib.ai integrate with credit bureaus and internal systems?

Yes. Our platform supports secure API-based integration with all major bureaus (CIBIL, CRIF, Experian), as well as core banking systems, LOS platforms, and in-house data lakes.

How secure is the borrower data handled by Glib.ai?

We implement enterprise-grade security measures including: - End-to-end encryption (in transit and at rest) - Role-based access controls - Data masking and anonymization - Full compliance with RBI, SEBI, GDPR, and ISO 27001 frameworks

Is this solution compatible with all loan types?

Absolutely. Whether it's: - Personal Loans - Mortgage/Home Loans - Business Loans - SME/MSME Credit - BNPL or Consumer Credit Glib.ai’s enrichment engine adapts to diverse use cases with configurable rules and scoring models.

Make better and accurate decisions

Learn how AI-powered insights can help you eliminate bottlenecks and transform your organization.

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