01Hand-built files
The file assembles itself.
- Statements, GST, ITR, bureau and account-aggregator data in one place
- The same calculations for every analyst
Analyst time down by half
CommercialAutoCredit · loan file, credit memo & field verification
The credit memo, drafted from the file.
For lenders’ credit and operations teams. Statements, GST returns, ITRs, bureau and account-aggregator data assembled into one file; a memo drafted against your policy bands with every line cited; field verification filed the same day. Credit officers decide — faster, and with the evidence in front of them.
- −40–60% analyst time target
- Every line cites its source
- Same day field report
WhySound familiar?
Three things we hear in every first conversation.
From credit heads, credit officers and operations teams at lenders. Composite quotes from discovery calls — the problems are real; the names are left out.
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“Our analysts spend two days building a file.”
Statements, GST and ITRs are collected over email and spread into spreadsheets by hand.
Credit headSlow sanction TAT
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“Every analyst writes the memo differently.”
Committees read uneven notes and ask the same questions every week.
Credit committee memberUneven credit notes
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“The field report arrives three days after the visit.”
Photos sit on a phone; the file waits.
Operations managerFiles stuck on verification
HowWhat changes with AutoCredit
The same three problems, on the screens that solve them.
Product screens with illustrative data. In a working session we draft memos from your anonymised files.
02Uneven memos
A memo drafted against your policy, every line cited.
- Placed in your policy bands, deviations flagged
- A credit officer reviews and decides — never the model
Committees read the same format
03Late field reports
The field report is on file the same day.
- Checklist, photos and GPS from the agent’s phone
- The memo updates as soon as the report lands
No file waits on a visit
FieldAutoCredit in the field
The people, the phone, the place.
The workplace it runs in, the person who uses it on a phone, the team at the desk and the detail it reads.
Photographs are illustrative — real customer sites are not shown.
- −40–60%Analyst timetarget on file preparation
- 8–10 weeksTo first valueon one product
- CitedMemo linesto the document they came from
- Policy bandsYoursdeviations flagged, never hidden
- Same dayField verificationphotos + GPS
- HumanDecisionAutoCredit drafts, people sanction
01The screens
From a stack of statements to a memo the committee can read.
The memo, the file queue and field verification.
autowhat · AutoCredit / Credit memo
Illustrative data
A memo drafted from the file against policy, with a recommendation for a credit officer.
Product screens with illustrative data — every name, place and figure is a placeholder.
02Before and after
Analysts build files by hand. Sanctions wait on PDFs.
Hand-built files and free-text memos make turnaround slow and notes uneven between analysts.
| Area | Today | With AutoCredit |
|---|---|---|
| File | Collected over email | Assembled from statements, GST, ITR, bureau, AA |
| Analysis | Spreadsheets per analyst | The same calculations every time |
| Memo | Written from scratch | Drafted against policy, every line cited |
| Field visit | Report days later | Photos and GPS on file the same day |
| Deviations | Found in committee | Flagged in the draft with the policy reference |
03Draft, cite, decide
Eight steps, from application to sanction.
AutoCredit prepares; your credit officers decide. Nothing is sanctioned by a model.
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01
Collect
Documents
Statements, GST, ITR and KYC collected on WhatsApp or the portal.
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02
Pull
Bureau · AA
Bureau and account-aggregator data where consent allows.
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03
Analyse
Cash flow
Banking, obligations, FOIR and GST trends computed the same way every time.
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04
Verify
Field
Agent visits with checklist, photos and GPS; report same day.
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05
Band
Your policy
The file placed in your policy bands; deviations flagged.
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06
Draft
Credit memo
A memo with every line cited to its source.
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07
Decide
Committee
Credit officers and committee decide; comments kept.
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08
Book
Your LOS / LMS
Sanction written through the APIs you open.
04The platform
File, analysis, memo and field.
Start with one product; others reuse the same spine and policy engine.
File · 4
- Document collection
- Bureau pull
- Account aggregator
- GST & ITR
Analysis · 4
- Banking analysis
- Obligations & FOIR
- Financial spreading
- Collateral
Decision · 4
- Policy bands
- Credit memo
- Deviations
- Committee notes
Field · 4
- Visit scheduling
- Checklists
- Photos + GPS
- Same-day reports
05How we deliver
One product, one metric, eight to ten weeks.
On the LOS and LMS you already run.
- Weeks 1–2 · MapYour file, policy bands and memo format mapped; the metric agreed.
- Weeks 2–7 · BuildFile assembly, analysis, memo drafting and the field app on your stack.
- Weeks 7–10 · Go liveOne product live with credit officers reviewing every memo.
- Then · Next productLAP, working capital and retail on the same spine.
FAQQuestions we get about AutoCredit
Straight answers, before the call.
AutoCredit is an Autowhat AI product for credit heads, credit officers and operations teams at lenders. Short, factual answers for buyers, procurement and the assistants people ask first.
In short. AutoCredit is an Autowhat AI product for credit heads, credit officers and operations teams at lenders. It is built for credit heads, credit officers and operations teams at lenders. It exists to remove the problems those teams describe in almost every first conversation: two days of analyst time to build each file; memos written differently by every analyst; and field reports that arrive days after the visit. With AutoCredit, teams get one file from statements, GST, ITR, bureau and AA, a cited memo placed in your policy bands, deviations flagged, and same-day field reports with photos and GPS. It connects to Bank statements, Bureau & AA, Your LOS / LMS and Field app, is used by Credit · ops · field agents, and runs on web + mobile. Like every Autowhat AI product, AutoCredit goes live on one site, lane or process first, usually within weeks, on managed cloud, in your own VPC or on-premises, and shares one operational record with the other products, so the second deployment reuses the data and integrations of the first.
Who is AutoCredit for?
Credit heads, credit officers and operations teams at lenders. The loan file assembled from statements, GST, ITR, bureau and account-aggregator data; a memo drafted against your policy bands with every line cited; field verification filed the same day.
What problems does AutoCredit remove?
two days of analyst time to build each file; memos written differently by every analyst; field reports that arrive days after the visit.
What do we get with AutoCredit?
one file from statements, GST, ITR, bureau and AA; a cited memo placed in your policy bands, deviations flagged; same-day field reports with photos and GPS.
What does AutoCredit connect to, and who uses it?
It connects to Bank statements, Bureau & AA, Your LOS / LMS, Field app. Users: Credit · ops · field agents. Channel: Web + mobile.
How do we start with AutoCredit?
With a 30-minute working session on your own data — an engineer from the relevant sector, not a sales queue. The first wave is scoped in that call; most products go live on one site, lane or process within weeks and then scale.
Where does AutoCredit run, and who owns the data?
On managed cloud, in your own VPC (AWS, Azure or GCP) or on-premises, with your keys. SOC 2 Type II and ISO 27001 controls, India data residency when required, and local or open-weight models when policy demands it. The data stays yours.
06Working session
Bring three anonymised files. We’ll draft the memos in front of you.
Thirty minutes: your file checklist, your policy bands and a memo format agreed.