Loan Monitoring & Early Warning

Proactive Risk Mitigation with AI-Powered Loan Monitoring

Introduction

Traditional loan monitoring methods depend on static, periodic checks — often identifying problems only after they occur. With Glib.ai, banks and NBFCs can shift from reactive to proactive credit risk management using real-time AI-driven early warning systems that continuously monitor borrower health and flag risks before they turn into defaults.

"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

Real-Time Early Warning Triggers: Our AI models continuously track borrower activity, identifying subtle signs of distress like irregular repayments, sudden income drops, or abnormal transaction behavior.
Automated Monitoring at Scale: Say goodbye to manual reviews. Glib.ai automates borrower monitoring across your entire loan book — reducing operational costs and ensuring zero lag in identifying red flags.
Predictive Default Detection: AI analyzes multi-source data (bank transactions, credit scores, external liabilities, bureau signals) to forecast repayment risks weeks or months in advance.
Customizable Alert Framework: Configure alerts for key risk indicators like EMI bounce rates, overdraft patterns, rising credit utilization, or regulatory breaches — enabling your team to act faster.
Regulatory Alignment: The system adheres to RBI and SEBI’s ongoing credit monitoring guidelines, supporting Early Warning Signals (EWS) and Special Mention Account (SMA) tracking.
Seamless API Integration: Easily connects with CBS, LMS, LOS, and BI dashboards — ensuring real-time visibility for credit, risk, and collections teams.

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.

How does Glib.ai detect early signs of borrower risk or financial distress?

Glib.ai leverages advanced AI and machine learning to analyze: - Bank transaction behavior (cash flow volatility, insufficient balances) - Repayment history (delays, partial payments, missed EMIs) - External liabilities and credit bureau changes - Behavioral anomalies (sudden expense surges, job changes, or location shifts) This enables early identification of borrowers heading toward default.

Can Glib.ai integrate with our core banking or loan management systems?

Yes. Our platform is API-first and designed for seamless integration with: - Core Banking Systems (CBS) - Loan Management Software (LMS) - Risk Dashboards and Business Intelligence tools We also support on-cloud or on-premise deployment for data-sensitive institutions.

What types of risk alerts does the system generate?

The system flags various high-risk signals including: - Payment delays or EMI bounces - Declining credit bureau scores - Increased exposure or credit utilization - Sudden inflow-outflow mismatches - Behavior deviating from peer cohorts Each alert can be customized based on your risk appetite and loan type.

Is the solution suitable for all loan categories?

Absolutely. Our AI-driven monitoring works for: - Personal loans - Home loans - SME and MSME lending - Business and working capital loans - Gold loans and microfinance

How does this support compliance with regulatory frameworks like RBI’s EWS or SMA guidelines?

Glib.ai is built to align with RBI's Early Warning Signal (EWS) and Special Mention Account (SMA) directives by: - Ensuring continuous monitoring - Generating audit logs for all alerts - Providing dashboards and reports for compliance review - Enabling timely classification and escalation of high-risk accounts

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